"#$%& '%( )(*++* ,)-+. )( % /0(+ 1$+2+ (0 '3,&)4,)5)&6 5%( *).&2+.. $)' %(* 1$)5$ ). (+-+2&$+,+.. &$+ '0.

& %5&)-+ 1027.$04 08

oolvetsol folflllmeot. - lblllp k. ulck, A 5coooet uotkly

The Four Horsemen

Introduct|on


I. Creat|on
a. 8eglsLer LLC on LegalZoom (opLlonal)
b. CreaLe presence on My.uS (opLlonal)
c. CreaLe uropbox accounL
d. CreaLe Lhe prlmary node


II. reparat|on
a. 8ulld proflles
b. 8ank drops
c. CreaLe SLrlpe accounL
d. Secondary merchanL accounLs


III. Stag|ng
a. repare web server lnsLances
b. CreaLe basellne wlLh wpb2d
c. Conflgure Ladron+ v1.2
d. CreaLe dev envlronmenL ln Amazon LC2 (opLlonal)


IV. Lxecut|on
a. AuLomaLlng and cleanlng wlLh Ladron+ and SLrlpe
b. known good daLa
c. ulverslons
d. llopplng on lllppa


1he ermanent Vacat|on






Introduct|on

ln november of 2010 l declded Lo sell everyLhlng l owned and leave Lhe unlLed SLaLes wlLh only a
backpack and sulLcase. l had planned my deparLure for 9 monLhs. l had a clear seL of goals. 1ravel and
sLop worklng a 9-3. Cood food. Cood wlne. Cood hash. LeL's see how long we can keep Lhls golng.

l never wenL Lo college. l sLarLed wlLh [usL a few hundred dollars. l dldn'L speak any oLher languages.

l only have blg ldeas and an obsesslon wlLh small deLalls.

When we're young we dream of havlng more money and Lhen we geL older and we geL LhaL money buL
noLhlng has really changed. We should be longlng for freedom. noL money, noL Llme, buL Lhe freedom
Lo do as we please wlLhouL answerlng Lo anyone, Lled down Lo noLhlng. ueflne our own prlorlLles.

What do you want?

Lveryone says more money buL we don'L really Lhlnk abouL why. Some people say Llme buL surely LhaL
couldn'L have applled Lo me. 8ored and unlnLeresLed, l was ln a rouLlne of Ledlous l1 [obs, drlnklng, and
puLLlng food ln Lhe mlcrowave. l would fanLaslze abouL llfe ouLslde my sleepy clLy whlle browslng
naLlonal Ceographlc phoLo archlves dozlng off ln my cublcle. l dldn'L need Llme. l had Loo much of lL.

l was washlng Lhe dlshes sLarlng Lhe ouL wlndow when l saw a ledLx Lruck drlve by. l began wonderlng
whaL klnd of Lhlngs go lnLo a loglsLlcs company. Who says Lo Lhemselves- l wanL Lo sLarL shlpplng
Lhlngs. l should geL some boxes."? Pow do you brlng fresh new ldeas Lo someLhlng as baslc as movlng
Lhlngs around? lL was a passlng LhoughL [usL as lf l saw a Lruck wlLh a logo on Lhe hlghway.

lL wasn'L unLll several weeks laLer LhaL l was browslng llsLlngs on e8ay and saw a vendor's slze 24 ranLlng
abouL 8razlllan cusLomers asklng hlm Lo mark Lhe lLem as a glfL wlLh a value of less Lhan 30 dollars. l
couldn'L belleve how someone could have such sLrong moral reservaLlons agalnsL lylng abouL Lhe value
of lhone replacemenL screens. Pow many messages dld Lhls person recelve before Lhey saL down aL
Lhelr compuLer and nerd raged seven paragraphs on Lhelr e8ay proflle?

Slze 24.

Was lL a scam? Was Lhere anyLhlng else Lo Lhls? WhaL was he Lalklng abouL? l had never heard
anyLhlng abouL Lhls. AfLer a magazlne arLlcle and Lwo mlnuLes on Wlklpedla l had lL all flgured ouL.

lL's a slmple concepL. unfalr and unmanageable, buL slmple.

1he 8razlllan governmenL wanLs Lo force 8razlllan lndusLry, noL Lhrough free markeLs, buL hlgh Larlffs
and lnfamously slow bureaucracy. An unspoken componenL of Lhe 8razlllan buslness model ls LhaL
people have no oLher cholce. Cf course cerLaln companles can work wlLh lmpunlLy, Lhere's no
compeLlLlon, and Lhe quallLy of goods and servlces decllne.

lL's slmllar Lo !uche ldeallsm ln norLh korea.

?es, &$%& norLh korea.
1here are no genLle lncenLlves, elLher. 8razll has some of Lhe hlghesL lmporL Laxes on planeL LarLh. lf
you are a small buslness owner and you wanLed Lo lmporL an elecLronlc lLem LhaL cosL 100 uSu MSk,
you musL pay Lhe 8razlllan governmenL 103 uSu upon enLry, [usL ln Laxes, Lo be able Lo legally recelve
and sell LhaL lLem. CLherwlse Lhe lLems are kepL and/or desLroyed aL Lhe border.

1haL means LhaL your 100 uSu lLem could be 203 uSu, noL lncludlng shlpplng whlch can Lake up Lo 30
days because Lhe Laxes aLe up your budgeL. 8egular everyday people are unfalrly held Lo Lhese Laxes,
Loo. lf you were an average 8razlllan LhaL wanLed a new graphlcs card from Amazon, you musL pay over
200 MS8 for LhaL lLem, agaln, excludlng shlpplng.

1here are excepLlons of course. Some raw maLerlals and agrlculLure producLs are Laxed much lower,
around 3, and all glfLs wlLh a declared value of less Lhan 30 uSu are noL held, whlch ls whaL Lhe angry
e8ay guy was ranLlng abouL.

MosL consumer goods are cheap, Chlnese, and smuggled from araguay.

lL should be obvlous buL mosL esLabllshed e8ay sellers are so Lerrlfled of havlng Lhelr accounLs locked
LhaL Lhey acLlvely Lurn buslness away slmply due Lo whaL Lhey percelve as complex lmporL Laxes and 2).79
ercelved rlsk. lL's only Lwo flelds on Lhe form. !usL Lwo.

1he blggesL counLry ln SouLh Amerlca ls walLlng Lo be Laken serlously and no one ls caplLallzlng on lL.
1he world grows and changes whlle 8razlllans are held hosLage by Lhelr governmenL ln a desperaLe
aLLempL Lo grow lndusLry.

MS8 for a laySLaLlon 4 ls 4,000 88L, [usL under 2,000 uSu. lL ls reallsLlc Lo expecL a 8razlllan company
Lo develop and manufacLure a comparable vldeo game console?

1he overwhelmlng ma[orlLy of onllne reLallers are unwllllng Lo flnd any loopholes so Lhe cosLs are
dumped Lo Lhe cusLomer or Lhey slmply refuse Lo do buslness.

Lvery 8razlllan ls famlllar wlLh Lhls emall:

#$%(7 603 802 50(&%5&)(: 3.9 uofottoootely, Joe to tbe testtlctloos by 8tozllloo costoms ootbotltles, we ote oooble to sblp to
;2%/),9

5locetely,
5oles locotpototeJ
Large companles such as uell work ln Lhelr own ways. 1hey all do ln some capaclLy. 1hey have Lo.
CompuLers wlll shlp wlLhouL an CS Lo lower Lhe MS8 upon enLry, eLc. 1here are even agencles ln 8razll
LhaL wlll flnd shlpplng loopholes for your company.

l sLarLed a successful 8razlllan drop servlce wlLh only a spare bedroom and a clean credlL card. l made lL
pay for 9 monLhs of llvlng expenses, lncludlng my fllghL 7000 kllomeLers away by lnLenLlonally uslng
componenLs LhaL l could leverage laLer. A dollar dld noL [usL represenL a dollar.

WhaL else could lL do?

Lven lf you aren'L capable of managlng shlpmenLs you can sLlll offer your address as a forwardlng drop
for any lLems LhaL were backordered durlng shopplng Lrlps, reLurns, Amazon orders, eLc.

Crder all of your shlpplng maLerlals here--

hLLps://www.usps.com/shlp/prlorlLy-mall-flaL.hLm

llll up your shopplng carL wlLh Large llaL 8aLe rlorlLy 8oxes. lL's all free. ?ou'll geL your maLerlals ln a
week. ?ou'll also need aL leasL CLy. 10 - 2976-L-- avallable here.

no oLher label wlll work. lf Lhe webslLe ls ouL you can go Lo Lhe posL offlce and dlrecLly ask for 2976-L
whlch ls [usL Lhe offlclal name for Lhe envelope speclflc Lo 2976-A, whlch we prlnL when we pay for
shlpplng.

vlslL 8ank8aLe and apply for any number of Lravel rewards cards such as Chase unlLed.

use Lhls credlL card for all of your producL and shlpplng purchases. ?ou wlll more Lhan llkely earn aL
leasL 20-30,000 frequenL flyer mlles [usL as a slgnlng bonus. 1hls coupled wlLh Lhe volume of purchases
on your card ($64.93 each large flaL raLe box lncludlng Lhe orlglnal cosL of Lhe lLems) greaLly subsldlzes
Lhe cosL of your flrsL fllghL.

"8ot l Joo't koow ooyooe lo 8tozll..." l dldn'L elLher buL Lhere are nearly 300 mllllon people ln Lhe
counLry and Lhey all haLe Laxes.

!" $%& '()&" *"%*+',-&. !" (&" & *"%*+',-&/

Learn your markeL. Learn Lhe slang. Learn key words ln Lhe language. 1he word "muambelro" ls used
[oklngly or "Longue ln cheek" buL Lhe meanlng ls sLlll very much undersLood. ?ou are Lhe smuggler ln Lhe
llLeral deflnlLlon. #$%& <2+(5$ =0((+5&)0(. 1he grlngo LhaL helps worklng people and small buslness
owners Lo geL whaL Lhey wanL aL reasonable prlces, conslsLenLly and safely.

AdverLlse on lacebook and lnsLagram. Look for #muambelro on lnsLagram or Muambelro purchase
clubs on lacebook. lacebook ls mosL popular and accesslble for Lhls buL consLanLly keep your opLlons
open. CrkuL (owned by Coogle buL noL yeL lnLegraLed wlLh Coogle+) ls sLlll very popular ln 8razll and
lndla.

ayal ls Lhe preferred paymenL meLhod. lL's hard enough Lo plLch Lhe ldea Lo sLrangers Lhe flrsL few
Llmes, leL alone suggesL a paymenL processer Lhey are noL famlllar wlLh. Many people do noL have a
credlL card anyhow.

?ou are noL markeLlng Lo people LhaL would use your address Lo purchase sLolen goods. 1he smash
and grab" menLallLy ls a wasLe of Llme and shorL Lerm Lhlnklng ls whaL makes people poor. Avold LhaL
Lhlnklng and avold Lhose people.

lf lL really boLhers you can Lake an exLra precauLlonary measure and demand LhaL any cusLomers
forward you Lhelr proof of purchase Lo ensure Lhe names maLch buL l don'L feel LhaL lL's necessary. l
have shlpped well over 700 packages wlLhouL a problem.

lL's lmporLanL Lo recognlze key lndlcaLors of an emerglng mlddle class no maLLer whlch counLry you
choose. Cenerally speaklng, new dlsposable lncome doesn'L gravlLaLe Lowards 30" LCu 1vs or vacuum
cleaners LhaL can move Lhemselves around Lhe house. lnsLead, mosL raLlonal people wlll lndulge on
some of Lhe beLLer quallLy everyday producLs Lhey are already famlllar wlLh and LhaL may already exlsL
wlLhln Lhelr budgeL.

A 32 year old professlonal woman ln CurlLlba ls llkely aware of brand names such as Coldwell, 8usk,
AllsalnLs, 8urL's 8ees, buL Lhe shlpplng and Larlffs make Lhe cosL [usL barely ouL of range Lo really [usLlfy
lL. 8y palrlng a number of lLems LogeLher and leanlng on soclal medla you are noL [usL adverLlslng, you
are sLarLlng Lhe conversaLlon on a personal level. ?ou are posLlng plcLures Lo popular pages, noL
purchaslng lacebook ads.

MosL people spllL packages wlLh frlends and famlly. Many sLarL-ups wanL small glfLs or "swag" for cllenLs
and employees. Many expaLs mlss Lhlngs such as peanuL buLLer or vlnegar based barbecue sauces.
Small buslness owners wanL a small advanLage. 1hey wanL Lo be known as Lhe guy ln Lhe nelghborhood
LhaL can geL x, ?, and Z.

?ou wanL Lo allow people Lo Lake a small sLep ln purchaslng someLhlng Lhey can [usLlfy 40..)>,6 ,0.)(:
durlng shlpplng raLher Lhan Lrylng Lo sell an lhone Lo everyone you meeL. lL's noL reallsLlc and even lf
you do manage Lo sell a phone lL would never arrlve.

Average dellvery Llmes Lo 8razll vary beLween 10 and 21 days. uellvery Llmes of 40-30 days Lo SouLh
Amerlca are noL uncommon.

Some of Lhe more upwardly moblle of Lhe 8razlllan mlddle class wlll Lake annual Lrlps Lo Mlaml for no
oLher reason Lhan Lo shop. lor now, you play lnLo LhaL lndulgenL emoLlon and allow people Lo spend a
few exLra hundred for Lhe shampoo Lhey know Lhey llke or a presenL for an upcomlng blrLhday.

1he mosL proflLable packages are Large llaL 8aLe rlorlLy boxes wlLh an appeallng varleLy of smaller
lLems such as-

MAC brand cosmeLlcs
Sunglasses
Mlcrowavable popcorn
Shampoo
CondlLloner
8oxlng shorLs
!u-!lLsu accessorles
Small boaL parLs such as bllge pumps
Plgh end hydroponlc equlpmenL
erfume sample packs (Sephora)


uo noL send elecLronlcs ln Lhe mall. 1hey wlll geL selzed aL besL, usually sLolen. l senL 6 small boxes ln a
medlum llaL 8aLe box. Lach small box maLched Lhe exacL form facLor of a new lhone. All whlLe wlLh
only a slngle uS8 charger ln each box. no Apple brandlng whaLsoever. 1he package was selzed due Lhe
x-ray maLchlng Lhe form facLor unLaxed lhones. 1hey wlll acLlvely chase lhones and laySLaLlons for
Lax fraud. uon'L glve Lhem a reason.
?ou wanL your package Lo be as lnconsplcuous as posslble. l have successfully shlpped nearly 700
packages and only losL 3, whlch lncludes my llLLle lhone experlmenL.

?ou wlll be surprlsed aL whaL you can flL ln a box buL remember Lo sLay wlLhln 18lbs. 1he maxlmum
welghL llmlL ls 20lbs. buL you should keep a 2lbs. buffer Lo avold your package belng flagged as Loo
heavy. 1he package wlll sLlll shlp lf lL ls overwelghL buL Lhe reclplenL wlll recelve a blll before Lhe
package ls released and Lhls lncreases Lhe chances of Lhe package belng opened and Laxed.

1he 8razlllan 8eal changes agalnsL Lhe uollar every day. lL may go from 1:2.12 Lo 1:2.23 ln a slngle week.
lor Lhe sake of slmpllclLy [usL Lhlnk of Lhe 88L agalnsL Lhe uollar as 2 Lo 1. ?ou wlll llkely be pleasanLly
surprlsed when lL's Llme Lo wlLhdraw and Lhe exchange raLe ls 2.1, 2.3, or hlgher.

1he earnlng poLenLlal grows qulckly once you sLarL worklng wlLh 3 - 3 regular cusLomers.

uSu/88L 1:2.1

3 packages a day [ 29 uSu = 143 uSu / or 304 88L per day

143 per day [ 3 days a week = 723 uSu / 1322 88L per week

4 weeks [ 723 uSu ea. = 2900 uSu / 3800 88L per monLh


1hls ls absoluLely besL case scenarlo and would only happen lf you managed Lo begln worklng wlLh
several small buslness owners aL once. lL's unreallsLlc Lo Lhlnk LhaL you would see anyLhlng close Lo
Lhose numbers wlLhln a few monLhs of sLarLlng.

Powever, even operaLlng aL ,+.. &$%( $%,8 LhaL volume sLlll generaLes 2,300 88L wlLh Lhe lnLenLlon of
spendlng lL ln a counLry where Lhe average '0(&$,6 salary ls 1,200 88L, or [usL over 300 uSu.

uon'L leL Lhose numbers fool you, Lhough. 8razll lLself ls ouL of reach for a loL of her own people.
8emember LhaL we are rldlng Lhe upLlck of Lhe +'+2:)(: mlddle class. 1he ma[orlLy of people are
worklng poor so we caLer Lo whaL ls affordable, and, mosL lmporLanLly, easlly raLlonallzed, whlch ls why
we defaulL Lo moderaLely prlced beauLy producLs and noL lhones. noL yeL anyway.

8uL, lf you are golng Lo run a fence, have compleLe conLrol. uon'L leL sLrangers shlp lLems Lo you [usL Lo
make 30 dollars. uL an end Lo Lhls as qulckly as you can and have your money work for you.

1he goal ls noL Lo creaLe 100 dlfferenL cusLomers buL [usL 3-3 people who can Lalk Lo 3-3 oLher people
LhaL own small buslnesses. Palr and nall salons are easlly LargeLed on lacebook and should be your flrsL
prlorlLy.

?ou are noL runnlng a polnL and cllck buslness. ?ou wanL Lo creaLe 3-3 small clandesLlne loglsLlcs
channels for emerglng mlddle class 8razlllan small buslness owners. ?ou aren'L golng Lo be markeLlng Lo
sLrangers on lacebook forever.
1he besL lndlcaLor of an emerglng mlddle class ls Lhe healLh of Lhe women's shoe markeL. When
women's shoes are belng sold people have money Lo spend. WaLch SLeve Madden. lL ebbs and flows
when cash ls plenLy. 1ax reLurn season. Lven paydays.

uesplLe Lhe culLural dlfferences people are Lhe same everywhere. lollow LhaL loglc all Lhe way down Lo
Lhe ralnforesL and have lL pay for lLself along Lhe way.

noL all producLs wlll flL ln your worldvlew. uon'L be alarmed. lmporLlng small, hlgh dollar lLems LhaL
may seem obvlous Lo you, such as razor blades, can resulL ln huge losses. 8razll en[oys name brand
razorblades for pennles on Lhe dollar compared Lo uS prlces.

AcLlvely undercuL servlces llke 8ongo or My.uS ln boLh shlpplng %(* your wllllngness Lo lle Lo cusLoms
forms and you won'L be able Lo keep up.

l could argue LhaL aL Lhls polnL ln Lhe game your besL reLurn ls noL from any Cvvs buL raLher from
shampoo LhaL smells llke cucumbers.

1he goal was Lo geL ouL of my clLy. noL sLay and plmp ouL my uS address, managlng Amazon orders for
rlch, +?5+4&)0(%,,6 beauLlful LaLln women. (l looked Lhem up on lacebook)

l was worklng agalnsL myself buL lL was easy and l llked lL. l llked Lalklng Lo people ln a dlfferenL counLry.
8uL ln Lhe end lL's [usL more money and lL planLed me deeper ln a place LhaL l ofLen dreamL of leavlng.

l wanLed Lo keep Lhe momenLum of Lhe buslness, caplLallze on all Lhe work and Llme l had puL lnLo my
loglsLlcs channels, and make as much money as posslble aL Lhe end. A blg exclamaLlon mark Lo say l was
done wlLh Lhe pro[ecL. l wanLed someLhlng Lo make me feel good abouL abandonlng lL. lL was a Lall
order.

l LhoughL abouL order fulfllmenL servlces llke Moldlng 8ox buL Lhe fees were ouLrageous and l had llLLle
conLrol over anyLhlng. 1he company ls based ln uLah and lL's lmposslble Lo work wlLh a bunch of
Mormons LhaL refuse Lo falslfy cusLoms documenLs and lL's way Loo expenslve Lo scale. Pow do we do
LhaL lasL press Lo geL a large cash ln[ecLlon Lo fund someLhlng crazy, llke buylng a one way plane LlckeLs?
1hls was Lhe quesLlon.

l began paylng for shlpplng upfronL. 1he old process was slmply uslng my address as a drop for Amazon
orders and reshlp uslng whaLever shlpplng label LhaL was provlded Lo me. l sLarLed Lo offer a servlce.
lor my good cusLomers, Lhe people LhaL shlpped aL leasL 3 boxes a week, l would pay Lhe Large rlorlLy
llaL 8aLe 8ox up fronL and ln some cases Lhe lLems Lhemselves, and l would be relmbursed Lhrough
ayal.

My cusLomers wenL from paylng me 30 dollars a box Lo paylng me 30 dollars a box and 200 frequenL
flyer mlles for +-+26 >0?. l made a loan Lhrough myself. 1he credlL card borrows from Lhe ayal
accounL on 30 day Lerms. Cne monLh behlnd Lhe oLher. 1he cash ls rouLed lmmedlaLely back onLo Lhe
card Lo Lake advanLage of frequenL flyer promoLlons on a rolllng schedule. l exposed myself Lo rlsk by
offerlng Lo prepay buL Lhe reLurn pald for a full round Lrlp LlckeL ln 90 days.



lncluded ln Lhls package ls an Lxcel spreadsheeL conflgured Lo converL an 18 monLh or lLem pro[ecLlon
uslng any value you seL for Lhe currenL exchange raLe. use xL Lo flnd Lhe dally prlce of Lhe 88L agalnsL
Lhe uollar for Lhe purpose of Lhls gulde.

lnpuL your pro[ecLs ln each row and change Lhe exchange raLe accordlngly.

1hls ls a good vlsual exerclse Lo show you how a flucLuaLlon can affecL your goal. ?ou may see several
hundred come and go" durlng Lhe course of a week buL remember LhaL Lhese values are only for
plannlng purposes. ?ou are noL maklng or loslng any money unless you are acLlvely selllng or buylng lL.
lf you do noL have a qulck and efflclenL way of exchanglng uSu Lo 88L aL currenL markeL value Lhen
geLLlng anxlous over flucLuaLlng exchange raLes ls meanlngless. 1he dollar wlll always be sLronger.

1haL sald, do noL be LempLed by lorex markeLs. 1here ls a reason all lorex adverLlsemenLs show a
plcLure of a sloL machlne. lL ls unnecessary and exLremely volaLlle.

uesplLe lLs beauLy, 8razll ls home Lo 37 of Lhe Lop 30 mosL dangerous clLles ln Lhe world. ?ou cannoL [usL
walk lnLo Lhe markeLs of urugualana aL 7AM Monday mornlng and expecL Lo begln offloadlng goods Lo
sLrangers.

l had never vlslLed 8razll before. l could Lell you all abouL SouLh Amerlcan loglsLlcs and Larlff laws buL l
had never acLually meL a 8razlllan or vlslLed Lhe counLry. l dldn'L speak orLuguese.

l relled on a loose supporL sLrucLure of all of my prevlous cusLomers. l gave prlce lncenLlves Lo Lhose
who could speak Lngllsh well and LranslaLe for me.

l broughL 13 lhones, wlLhouL boxes or chargers, Laped LogeLher dlsgulsed as Lwo separaLe boxes of
mlcrowavable popcorn. l used Lhe lasL monLh's shlpmenLs Lo purchase one wholesale loL of lhones off
e8ay and abandoned Lhe credlL card. 1hls puL 10,000 uSu ln Lhe bank LhaL we could Louch.

1he cusLoms agenLs qulckly lnspecLed my bags for anyLhlng large and obvlous such as Mac8ooks or
vldeo game consoles and leL me pass. AbsoluLely worsL case scenarlo ls LhaL your goods are conflscaLed.
?ou wlll noL be denled enLry buL remember LhaL lL's hlL or mlss. 1here ls a rlsk buL you're a grlngo ln a
LourlsL counLry. uon'L be obvlous and you have noLhlng Lo worry abouL. l've done lL 9 Llmes now wlLh
no lssue. l've had my bags searched Lwlce. 8e frlendly, smlley, and sLupld.

l made home base a hoLel room ln CenLro 8lo de !anelro. l meL all my prevlous cusLomers aL SLarbucks,
>0&+50., my hoLel, or Lhe Lraln sLaLlon. l meL my cusLomers. l meL Lhelr couslns. l meL Lhe people LhaL
are known ln Lhe nelghborhood as Lhe guy wlLh Lhe good shampoos.

Women klss on boLh cheeks ln 8lo. Lveryone ls happy. l was Lhe shampoo guy.

All Lhe phones were gone ln 3 days. 1000 88L each. As ls. no charger, no box. no quesLlons. no
worrles. 5em ptoblemos. Cheap chargers from araguay are everywhere. Lveryone ls happy.

l added 13,000 88L Lo my boLLom llne wlLhln a week. l was seL for monLhs Lo come, focuslng on beaches
and drlnks wlLh llLLle umbrellas ln Lhem.

1hls wasn'L an excepLlonal amounL of money buL lL represenLed a 6 monLh pald vacaLlon LhaL began wlLh
a sLoned Sunday afLernoon washlng dlshes [usL sLarlng ouL Lhe wlndow.

lL was how l worked a slngle credlL card appllcaLlon, lacebook, and paLlence lnLo 13 lhones, 43,000 88L
and 60,000 frequenL flyer mlles over Lhe course of 9 monLhs Lo compleLely fund my advenLure.

We apply Lhe same LacLlcs of compoundlng resources ln Lhe lour Porsemen meLhod buL apply lL Lo
resources LhaL we cannoL see or Louch, allowlng us Lo move and llve freely.

We only pursue pro[ecLs LhaL can be worked agaln, over and over, always beneflLLlng a poLenLlal
scenarlo behlnd lL. ro[ecLs are worked wlLh Lhe goal belng a quadruple reLurn on lLs orlglnal
funcLlonallLy, all before belng sold off Lo a Lhlrd parLy.

1he baslc premlse of Lhe lour Porsemen meLhod ls Lo reuse and recycle resources Lo bulld up and ouL,
evenLually offloadlng Lhe lnfrasLrucLure as a Lurn-key buslness package on lllppa.

1here are four sLages -

AuLomaLlng and cleanlng wlLh Ladron+ and SLrlpe
known good daLa
ulverslon
llopplng wlLh lllppa

1he flrsL run ls sLarLed by lmporLlng Cvv daLa lnLo Ladron+ Lo schedule and auLomaLe LransacLlons uslng
Lhe SLrlpe Al.

AfLer we've run Lhe Cvvs Lhrough Ladron+ we exporL Lhe paymenL llsLs from Lhe SLrlpe dashboard Lo
cross reference and ldenLlfy Lhe cusLomers LhaL falled checks for name, Cvv, CvC, address, or any oLher
crlLerla LhaL we wanL Lo prune ouL.

lf we ran 300 Cvvs and saw 60 valldlLy, we Lhen exporL our daLa dlrecLly from Lhe SLrlpe dashboard ln
Lxcel formaL Lo see whlch of Lhe 300 cards have falled. 180 Cvvs move onLo Lhe secondary merchanL
whlle Lhe oLher 120 are Lrashed as buslness operaLlng cosLs.

1hose 180 cusLomers are framed ln such a way LhaL we avold Lhe need Lo manually enLer Lhe LransacLlon
deLalls ourselves. 1hey are moved or promoLed" Lo a secondary merchanL accounL where we are much
more confldenL ln Lhelr purchaslng power.

Ladron+ ls noL Lhe prlmary lncome generaLor unLll much laLer ln Lhe process. SLrlpe ls so senslLlve LhaL
lL's llkely your accounL wlll be closed before your funds are released from Lhe pendlng sLaLe. lL's a wasLe
of Llme Lo Lhlnk of Ladron+ as a proflL cenLer unLll you have SLrlpe accounLs LhaL can acLually supporL lL.
We need a way Lo slowly bulld and compound non-dlspuLable funds Lo geL our young SLrlpe accounLs
Lhrough Lhelr probaLlon perlod and lnLo a 2 day payouL schedule.

MosL of Lhe admlnlsLraLlve overhead comes from managlng SLrlpe. ?ou are golng Lo go Lhrough a ,0& of
SLrlpe accounLs.


1hls lnlLlal web sLore ls Lhe prlmary node". 1he prlmary node ls Lhe flrsL Louch polnL for Lhe Lwo
processes LhaL reLurn Lo us. We declde aL Lhls polnL whlch dlrecLlon our funds are golng Lo Lake. We
have Lwo opLlons. Cash ouL or re-lnvesL-
ConsolldaLlon- Collapse prevlous funds lnLo a slngle SLrlpe, aymlll, or ayal accounL for cash ouL and
wlLhdrawal.
ulverslon - Move money back lnLo merchanL accounLs Lo be used as non-dlspuLable funds and pushlng
forward.
We wlll use Lhe Sellfy paymenL gaLeway on our prlmary nodes. lL ls perfecL for our appllcaLlon. Sellfy
acLs as a gaLeway speclflcally for lnLanglble dlglLal download producLs and pays lnLo dlrecLly ayal,
SLrlpe, or aymlll merchanL accounLs.
lour lncome generaLlng web sLores compound on Lhemselves unLll we are ready Lo promoLe our SLrlpe
accounLs Lo acL as prlmary lncome generaLors whlle sLlll acLlng as Lhe componenL Lo cleans our daLa
before Lhe secondary merchanL.
We operaLe on a rolllng schedule. Cnce a SLrlpe accounL on Lhe prlmary node ls ellglble for Lhe 2 day
pay ouL lL ls dlsconnecLed and a web sLore ls conflgured Lo run Ladron+ [obs agalnsL Lhe new Al key.
A new SLrlpe accounL ls added Lo Lhe prlmary node, behlnd Sellfy, and we sLarL Lhe process over agaln.
1he SLrlpe accounL ls maLured and exerclse pasL Lhe probaLlon perlod and moved Lo web sLore 2. 1hen a
new SLrlpe accounL ls added Lo Lhe prlmary node, behlnd Sellfy, and we sLarL Lhe process over agaln,
agaln, and agaln.

Lach gaLeway has Lhe capablllLy Lo scale and supplemenL Lhe nexL gaLeway ln Lhe chaln or Lo slmply cash ouL.
Creat|on

a. keg|ster LLC on Lega|2oom (opt|ona|)

1hls sLep ls enLlrely opLlonal buL can be really beneflclal lf you plan Lo keep your orlglnal company for
longer Lhan 12 monLhs. Some credlL unlons work wlLh Lhelr SLaLe Lo offer unsecured small buslness
loans of up Lo $30,000 wlLh Lhe only quallflcaLlon belng LhaL Lhe applylng company has pald sLaLe Laxes
for 12 consecuLlve monLhs.

1h|s |s not as |nt|m|dat|ng as you may th|nk!

1he Lheme of Lhls meLhod ls Lo only pursue pro[ecLs LhaL can be consldered an asseL so you may offload
or leverage lL whlle you are Lravellng. WlLh a llLLle admlnlsLraLlve overhead, foreslghL, and paLlence you
can Lurn a loose group of oLherwlse burned and useless web sLores lnLo a $30,000 desLlnaLlon goal aL
Lhe 12 monLh mark. 1he worsL LhaL can happen ls LhaL your appllcaLlon ls denled and you slowly sell
Lhem on lllppa llke we do ln Lhe shorL Lerm. Powever, followlng Lhe loglc of our orlglnal buslness, you
could leverage Lhls Lo be anoLher exclamaLlon mark.

8y uslng LegalZoom and lLs assoclaLed servlces you can expecL Lo lnvesL around 1,300 uSu end Lo end. lf
you are wllllng Lo sklmp on malnLalnlng Lhe reglsLered buslness ln a half-assed aLLempL Lo apply for a
buslness loan, don'L boLher. !usL because Lhe appllcaLlon process ls easy you wlll be asked Lo prove
lncome and pro[ecLlons. lf doesn'L maLLer lf Lhe lender ls known Lo be easy. no money ls secured unLll
you have lL ln your hands.

lf you are undeclded abouL your fuLure plans you should sLlll geL ln Lhe hablL of sLrucLurlng your pro[ecLs
ln ways LhaL may pay off ln Lhe fuLure.

lf you declde Lo use LegalZoom Lo creaLe an LLC, lL's easlesL Lo leave Lhem as Lhe 8eglsLered AgenL. 1he
monLhly fee ls $17.93 buL Lhey are requlred Lo remaln Lhe agenL even lf Lhe accounL ls dellnquenL and
Lhe charges cannoL compound.

lf you have no lnLenLlon of geLLlng small buslness loans, an Lln, or pursulng a CorporaLe Amerlcan
Lxpress accounL Lhen lL ls unnecessary Lo reglsLer an LLC. ?ou can slmply use an SSn as a Sole roprleLor
for your merchanL accounLs.









b) Create presence on My.US (opt|ona|)

Cnce you are ouL of Lhe counLry Lhe mosL lmporLanL componenLs of Lhe operaLlon ls Lhe use of a
forwardlng servlce llke myus.com

1hls ls a shlpplng servlce almosL ldenLlcal Lo our orlglnal operaLlon buL Lhey do noL alLer cusLoms daLa.
use Lhls for your personal use only.

1helr prlmary markeL ls people maklng Amazon orders buL we are golng Lo remlum + Mall package
under our LLC Lo recelve mall on behalf of our employees overseas uslng Lhe uSS 1383 form.

lL's especlally lmporLanL Lo Lhlnk abouL whaL klnd of buslness you are golng Lo run before commlLLlng Lo
anyLhlng. lf you plan Lo sLay ln 8razll for a whlle, your buslness may provlde servlces Lo Amerlcan expaL
offshore oll & gas employees %. 1+,, %. .+(*)(: :)8&.. lf you are plannlng Lo spend a loL of Llme ln Asla,
your buslness may provlde servlces Lo young people on gap year or 1LlL Lngllsh Leachers %. 1+,, %.
.+(*)(: :)8&..

lL's noL necessary Lo keep all your web sLores afflllaLed. !usL remember LhaL your prlmary node ls Lhe
money LhaL ls closesL Lo you. keep a buslness model vague enough Lo Lransform when you need lL Lo.
keep verbs ouL of company names and rely on names lnsLead.

verlfled ayal 8uslness accounLs can be purchased Lhrough 8uyvCC.

1he beauLy of Lhe 1383 form ls LhaL you are slmply allowlng My.uS Lo acL as Lhe agenL Lo forward mall
raLher Lhan changlng any addresses. ?ou llsL all of your "employees" on Lhe form ln secLlon 12 and you
may recelve and forward documenLs, ln Lhelr name, only when senL Lo LhaL address, on behalf of your
company. ?ou are noL dlsrupLlng regular mall servlce because only Lhe name, noL address, ls llsLed on
Lhe form and never submlLLed anywhere. lL ls kepL [usL llke an l-9 employmenL form. no one looks aL lL
unLll lL's needed.

Powever, Lhe form musL be noLarlzed. ?ou have Lhree opLlons--

Co Lo Lhe local uS consulaLe and have lL noLarlzed
Pave Lhe form noLarlzed before you leave Lhe uS by a frlend / relaLlve / noLary
8uy a noLary sLamp from allbaba.com or allexpress.com

lf asked, explaln LhaL you represenL a small group of conLracLors worklng overseas and asklng each of
Lhem Lo noLarlze a form ls lmposslble.

?ou can slmply have Lhe form noLarlzed aL Lhe ConsulaLe and add Lhe names ln secLlon 12 before you
submlL lL Lo My.uS.

lf you run lnLo any problems wlLh My.uS Lhey wlll llkely [usL ask for lu scans. keep explalnlng how
unreallsLlc lL ls Lo geL everyone's noLarlzed slgnaLure. ?ou shouldn'L have a problem as a remlum +
Mall cusLomer.



ln Lhe evenL LhaL My.uS or any oLher agency requesLs scans, Lhe followlng auLo shop speclallzes ln
cusLom scans and phoLos and dellvers almosL lnsLanLly:

hLLp://zaplll.cc

uS assporL scans, CA & n? SLaLe lus, uLlllLy bllls, uk passporLs, Swlss and many oLher Lu lu cards are all
avallable aL Lhe Llme of Lhls wrlLlng. All documenLs referenced ln Lhls gulde are avallable aL Zaplll. 1here
ls no reglsLraLlon fee.



Lxample of uS assporL scan avallable aL Zaplll.


?ou may choose Lo mall a bogus welcome package from your company Lo your newly creaLed My.uS
address Lo conflrm everyLhlng ls ln order before you aLLempL Lo send any banklng documenLs.

Cnce you have conflrmed LhaL you are able Lo recelve and forward mall for more Lhan Lwo conLacLs ln
secLlon 12 you may safely assume LhaL your company's drop ls fully funcLlonal.



c. Create Dropbox account

1he lour Porsemen meLhod ls lncreaslngly repeLlLlve Lhe larger lL scales. 1he earller you begln worklng
on ways Lo auLomaLe repeLlLlve Lasks, Lhe fasLer you can focus on growlng Lhe buslness. ?ou should only
bulld each sLore once or Lwlce aL mosL.

We wlll leverage Lhe use of a Wordress plugln called wpb2d whlch dumps Lhe enLlre conLenLs of your
slLe Lo your uropbox appllcaLlon folder. We are golng Lo dump a copy of each slLe Lo a subdlrecLory your
uropbox accounL. We wlll Lhen pull from Lhese coples each Llme we spln up a new lnsLance or rebrand
exlsLlng lnfrasLrucLure.

Search for Lhe publlc plug-ln wpb2d". lnsLall and acLlvaLe lL. ?ou musL auLhorlze Lhe plugln Lo allow
access Lo your uropbox accounL.



Choose conLlnue, and Lhen allow.




1he rooL dlrecLory of wpb2d ls locaLed wlLhln Lhe Apps dlrecLory of your uropbox dashboard.



uropbox rooL dlrecLory

When lL comes Llme Lo spln up new lnsLances of elLher your prlmary node or your pool of eCommerce
slLes, all you need Lo do ls lnsLall Wordress and a slngle plugln.

?ou may use Lhe same uropbox accounL wlLh as many slLes as you'd llke as long as you conflgure Lhe
plugln Lo creaLe a new dlrecLory raLher Lhan overwrlLe your flles. 1hls uropbox accounL acLs as Lhe
cenLral reposlLory for all fuLure web sLores.




Slngle web sLore lnsLance saved Lo rooL dlrecLory
d. Create the f|rst pr|mary node
lL's lmporLanL Lo pay aLLenLlon Lo Lhe markeLlng language whlle shopplng for a canel package. Cnly
choose mlnl hosLlng plans Lo force separaLe accounLs. We wanL Lo offload any slLes as lndlvldual asseLs
once we puL Lhlngs lnLo moLlon so we musL avold grouplng several domalns under Lhe same bllllng
conLacL. lL ls sllghLly more expenslve buL well worLh Lhe cosL lf we expecL Lo sell qulckly aL Lhe end of
our runs.
Log ln Lo canel once you recelve your credenLlals and lnsLall Wordress vla SofLaculous or Cne-Cllck.
8e sure Lo force Lhe lnsLallaLlon lnLo Lhe rooL dlrecLory by removlng /wp from Lhe fleld. CLherwlse all of
your pages, lncludlng shopplng carL, wlll have Lhe Wordress dlrecLory aL Lhe end of Lhe domaln-
Lxample:
www.websLore.com/wp
www.websLore.com
lollow Lhe Wordress documenLaLlon Lo cusLomlze Lhe slLe Lo your llklng. 1he Lhemes lncluded ln Lhls
package are speclflcally deslgned Lo work wlLh Wordress and WooCommerce.
Wordress ls lnsLalled on a Llnux server as we requlre access Lo cronLab.
1he followlng plug-lns are requlred for use wlLh 1he lour Porsemen meLhod-
|ug-|ns |nc|uded w|th th|s package:
WooCommerce paymenL gaLeways (varlous)
Ladron+ v1.2

Ava||ab|e v|a Search w|th|n |ug-|ns tab:
ulsable CommenLs
WooCommerce
wpb2d
ConLacL lorm 7
Sellfy 8uy now 8uLLon

NC1L: Cver 23 pluglns are lncluded wlLh Lhls package Lo asslsL ln your dlverslons. Cnly Lhe above
plug-lns are requlred for core funcLlonallLy.


reparat|on

lour eCommerce shops are asslgned Lo generaLe revenue from Cvv daLa whlle one lnsLance ls
deslgnaLed as a prlmary node. 1he prlmary eCommerce lnsLance ls Lhe evenLual reposlLory of funds
generaLed by Lhe oLher four lnsLances. 1he SLrlpe accounL conflgured on Lhe prlmary node, ln a
separaLe gaLeway powered by Sellfy, ls removed from Lhe prlmary node and re-asslgned Lo one of Lhe
four web sLores on a recurrlng schedule.

Llke we menLloned aL Lhe beglnnlng of Lhls documenL, Ladron+ ls not Lo be used as a prlmary earnlng
devlce unLll have exerclsed our SLrlpe accounLs pasL Lhe probaLlon perlod of a 7 day hold. We are
creaLlng and nurLurlng an envlronmenL LhaL allows for fuLure daLa lnLegrlLy LesLs Lhrough Ladron+ Lo be
[usL as proflLable as Lhe secondary merchanL runs wlLh cleaned daLa.

Not the other way around.

Cvv daLa ls lmporLed lnLo Ladron+ Lo be cleaned. We use Lhe Llve Al wlLh Lhe expecLaLlon Lhe accounL
wlll more than ||ke|y be closed. lf Lhe SLrlpe accounL survlves Lhe lnlLlal payouL perlod lL ls LreaLed as a
pleasanL surprlsed as we have already begun Lo focus on Lhe purchaslng power of Lhe second merchanL.

We sLreLch our daLa and our resources lnLo up Lo four separaLe sLages Lo equally maxlmlze Lhe lnLegrlLy
and earnlng poLenLlal of our daLa.

Lach cycle made larger due Lo Lhe prevlous cycle. lunds passed Lhrough Sellfy are applled Lo a new
SLrlpe accounLs and Lhe process ls repeaLed.




SLep 3 dlverLs funds Lo Lu merchanL accounL, uS merchanL accounLs, or cashlng ouL all vla Sellfy on Lhe prlmary node.

We sLrucLure our asseLs ln a way LhaL allows us Lo purge and panlc ln Lhe evenL LhaL we need a qulck
cash ln[ecLlon lnLo our ayal accounL or Lravel card.

Lach prlmary node can be uLlllzed ln ways oLher Lhan acLlng a llnk ln a chaln.


1he Sellfy gaLeway can be used for ayal Lransfers (assumlng Lhe card ls noL assoclaLed wlLh a
ayal accounL already)
We can aggregaLe all of our funds lnLo a slngle SLrlpe accounL and provlslon ACP Lransfers ln
exchange for 81C.
We dlsgulse Lhe slLe as a C8M (explalned ln 4.c ulverslons)

lollowlng a schedule of creaLlng one new sLore a week Lhe full operaLlon ls reallzed afLer 3 weeks. AfLer
whlch Lhe new SLrlpe accounL wlLh non-dlspuLable funds ls moved Lo web sLore 1 and a new Ladron+
cycle wlLh new Cvv daLa ls conflgured Lo Lake advanLage of Lhe 2 day payouL schedule. Cnce Lhe web
sLore ls burned we move onLo Lhe nexL one, creaLe new Ladron+ [obs, Lhen go back Lo rebulld Lhe web
sLore. SomeLhlng ls always movlng. Always growlng.











a. 8u||d prof||es

uependlng on your buslness you should proflle your admlnlsLraLors around crlLerla such as age, clLy,
sLaLe, educaLlon, or prevlous employers Lo keep Lhlngs conslsLenL. uon'L use older females unless you
have access Lo an older female LhaL can call on your behalf ln Lhe evenL LhaL you need Lo speak Lo
someone.

use Lhe followlng LemplaLe Lo keep Lrack of your proflles. CreaLe a SLrlpe accounL for every proflle. We
wlll creaLe secondary merchanL accounLs only as we need Lhem. 1hls Lask should noL be ouLsourced.

Administrator:
Name:
DOB:
SSN:

Address:



----

Company:
URL:
Description:

Email
username:
password:

Stripe
username:
password:

API keys:
public:
private:
public:
private:

WordPress / LadroN+ admin
username:
password:

Web Host
username:
password:

cPanel
username:
password:

Google Voice
username:
password:
PH: (999) 999-9999
b. 8ank drops

lL ls noL absoluLely necessary Lo secure a mall drop wlLh My.uS. lL ls hlghly recommended for Lhe long
Lerm buL lf you have regular access Lo prepald deblL and/or Lravel cards capable of recelvlng ACP
Lransfers you can safely begln Lhe meLhod.

We have much more freedom ln our cholces slnce we never need Lo rely on 8lLcoln exchanges or
purchaslng vlrLual currencles such as MMC8C gold. 1he bank drops only exlsL as Lemporary
reposlLorles slnce we enLer lnLo each run assumlng LhaL all componenLs wlll evenLually be losL or frozen,
removed, or even sold.

repald cards such as 8eadyueblL, neLSpend, wlll work [usL flne.

uo not use low end reLall banklng llke Ally Checklng. Ally 8ank's 1erms of Servlce clearly sLaLes LhaL Lhe
accounL cannoL be used for any merchanL servlces whaLsoever. ?ou have no conLrol over how SLrlpe
posLs Lo your accounL so deposlLs LhaL show a descrlpLlon of S18lL ML8CPAn1 ACP are dlfflculL Lo
explaln.

!usL rely on prepald cards capable of recelvlng ACP deposlLs and you can accepL payouLs from SLrlpe [usL
llke recelvlng a paycheck vla dlrecL deposlL. ?ou organlze Lhese pay ouLs as you would be paylng a
developer, vendor, or employee from wlLhln Lhe SLrlpe dashboard.

A Swlss 1ravel Card appllcaLlon ls lncluded Lo allow you Lo use funds dlrecLly from your Lu merchanL
accounLs such as aymlll or Weay.

1he prlmary spendlng accounL should be your personal ayal accounL wlLh a MasLerCard deblL card.
?ou can reLrleve funds from A1Ms all over Lhe world, codlfled as Lourlsm ln counLry". ayal acLlvely
promoLes Lhls because Lhe fees are hlgher Lhan LradlLlonal banks.

verlfled ayal 8uslness accounLs can be purchased Lhrough 8uyvCC.


















c. Create Str|pe account

SLrlpe gaLhers your geo-l daLa durlng reglsLraLlon so lf you reglsLer an accounL from ouLslde of Lhe uS
you rlsk belng grouped ln wlLh 8eLa cusLomers and wlll noL be ellglble for a 2 day payouL afLer Lhe lnlLlal
probaLlon perlod has ended.

All LhaL ls requlred ls SSn + uC8.

undersLand LhaL SLrlpe ls very hard Lo work wlLh. ?ou wlll go Lhrough a loL of SLrlpe accounLs. ?ou wlll
need Lo rebrand your web sLores because of SLrlpe. MosL of Lhe admlnlsLraLlve overhead of worklng Lhls
meLhod ls because of SLrlpe. 1hls ls Lhe maln reason we dlverL funds back lnLo SLrlpe Lo exerclse Lhe
accounL before we can begln uslng Ladron+ aL a proflL.

lL's an uphlll baLLle. 1haL's why we puL our prlmary focus on Lhe .+50(*%26 merchanL accounL because
Lhe probablllLy of an acLual payouL ls much hlgher unLll we work pasL any llmlLaLlons.

SLarL slow and don'L allow yourself Lo be surprlsed. SLrlpe wlll Lry Lo call before locklng Lhe accounL.
Check Lhe volce mall box every day Lo avold surprlses. alr your admlnlsLraLors Lo lndlvldual Coogle
volce accounLs so your volcemalls are Lranscrlbed.

1here ls Lhe cusLomary welcomlng phone call -

"@+,,0A l om collloq ftom 5ttlpe ooJ l woolJ llke to welcome yoo.

Powever, when you recelve a message LhaL reads -

"B29 B0(7+6;3.)(+.. l om collloq ftom 5ttlpe ooJ we teolly oeeJ to speok wltb yoo.

1haL means LhaL deaLh ls lmmlnenL. All of your cusLomers wlll be refunded.

SLrlpe lnLenLlonally uses vague language ln Lhelr 1erms of Servlce. ?our sLore musL be well wlLhln Lhe
llmlLaLlons of Lhe AccepLable use ollcy or you rlsk freezlng your accounL unexpecLedly.

?our sLore cannoL sell or ln any way supporL Lhe followlng lLems:

Cnllne or oLher non-face-Lo-face Lobacco, e-clgareLLe sales, or relaLed lLems (such as personal vaporlzers or e-[ulce)
Weapons and munlLlons
vlrLual currency LhaL can be moneLlzed, re-sold or converLed Lo physlcal or dlglLal producLs or servlces or oLherwlse
exlL Lhe vlrLual world
Sexually-orlenLed or pornographlc producLs or servlces
Marl[uana dlspensarles and relaLed buslnesses
uoor-Lo-door sales
Cfferlng subsLanLlal rebaLes or speclal lncenLlves Lo Lhe cardholder subsequenL Lo Lhe orlglnal purchase
negaLlve response markeLlng
Lngaglng ln decepLlve markeLlng pracLlces
Sharlng cardholder lnformaLlon wlLh anoLher merchanL for paymenL of up-sell or cross-sell producL or servlce
Lvadlng Card neLwork's chargeback monlLorlng programs
Lngaglng ln any form of llcensed or unllcensed aggregaLlon or facLorlng
Alrllnes
Age verlflcaLlon
Age resLrlcLed producLs or servlces
8all bonds
8ankrupLcy lawyers
8lddlng fee aucLlons
CollecLlon agencles
Chaln leLLers
Check cashlng, wlre Lransfers, or money orders
CounLerfelL producLs
Currency exchanges or dealers
Lmbassles, forelgn consulaLes, or oLher forelgn governmenLs
llrms selllng buslness opporLunlLles, lnvesLmenL opporLunlLles, morLgage consulLlng or reducLlon, credlL counsellng,
repalr or proLecLlon, or real esLaLe purchases wlLh no money down
CredlL card and ldenLlLy LhefL proLecLlon
Crulse llnes
Lssay mllls
llea markeLs
urug paraphernalla
LxLended warranLles
sychlc servlces
CeL rlch qulck" schemes
Cambllng (lncludlng buL noL llmlLed Lo loLLerles, lnLerneL gamlng, conLesLs, sweepsLakes, or offerlng of prlzes as an
lnducemenL Lo purchase producLs or servlces)
SporLs forecasLlng or odds maklng
lllegal producLs or servlces
Mall-order brldes
Money LransmlLLers or money servlce buslnesses
MulLl-level markeLlng or pyramld schemes
Cnllne or oLher non-face-Lo-face pharmacles or pharmacy referral servlces
repald phone cards, phone servlces or cell phones
seudo pharmaceuLlcals
Cuasl-cash or sLored value
SecurlLles brokers
Shlpplng or forwardlng brokers
SubsLances deslgned Lo mlmlc lllegal drugs
1elemarkeLlng
1elecommunlcaLlons equlpmenL and Lelephone sales
1lmeshares
CenLrallzed Lravel reservaLlon servlces or Lravel clubs
ersonal compuLer Lechnlcal supporL
Selllng vldeo game or vlrLual world credlLs (unless you are Lhe operaLor of Lhe vldeo game or vlrLual world)
Selllng soclal medla acLlvlLy, such as 1wlLLer followers, lacebook llkes, or ?ou1ube vlews
Any producL or servlce LhaL lnfrlnges upon Lhe copyrlghL, Lrademark, or Lrade secreLs of any Lhlrd parLy
Any producL, servlce or acLlvlLy LhaL ls decepLlve, unfalr, predaLory, or prohlblLed by one or more Card neLworks
lundlng any of Lhe lLems lncluded on Lhls rohlblLed 8uslnesses llsL

lL's a slzeable llsL buL noL lmposslble. aymenL processors look for a number of Lhlngs LhaL may noL be
lmmedlaLely obvlous Lo someone [usL Lrylng Lo smash and grab 300 uSu Lhrough a paymenL gaLeway.

1ake your Llme and Lake some efforL and add a slngle page excluslvely for your Lerms and condlLlons.

1wo documenLs are lncluded wlLh Lhls package. 8oLh documenLs ouLllne a generlc Lerms and servlce
sLaLemenL for boLh Lhe uS and Lhe unlLed klngdom. Change all company and conLacL lnformaLlon Lo
maLch each web sLore's company name reglsLered wlLh Lhe paymenL processor.



d. Secondary merchant accounts

1he flrsL run wlLh SLrlpe cleans our daLa and creaLes a proLecLlve barrler for our secondary merchanL
accounL. All decllned or bad daLa ls removed whlch allows for more accuraLe pro[ecLlng and a hlgher
level of confldence

l suggesL you look lnLo Weay as lL's [usL as accesslble as SLrlpe and you have near lmmedlaLe access Lo
your Al keys so you are able Lo begln conflgurlng and LesLlng your web sLore whlle you walL for your
appllcaLlon Lo be approved.

?ou could LheoreLlcally sLrlng as many paymenL processors behlnd SLrlpe as you wanLed buL lL's unllkely
LhaL you'll be able Lo geL a Lhlrd or fourLh new charge ouL of Lhe same Cvv daLa before lL ls consldered
bad. ldeally you would work wlLhln a slngle bllllng perlod.

?ou are free Lo use any paymenL processor LhaL you manage Lo geL approved for. As long as Lhe
paymenL gaLeway ls easlly lnLegraLed wlLh WooCommerce vla Wordress plug-ln, everyLhlng remalns as
seamless as lL does wlLh SLrlpe.

Addlng and removlng paymenL gaLeways for manual LransacLlons ls as slmple as lnsLalllng and acLlvaLlng
slngle pluglns. ?ou wlll see your merchanL's accounL seLLlngs wlLhln Lhe CheckouL opLlon of Lhe
WooCommerce sLore seLLlngs and you add Lhe accounL Lo your reporLs wlLh Lhe Add ConnecLor" Lab on
SumAll's dashboard.


























Stag|ng

a. repare web server |nstances

1hankfully our sLandards are preLLy low for whaL ls consldered an accepLable web server capable of
hosLlng our operaLlon.

Llnux
Access Lo cronLab
Cne-Cllck lnsLalls or slmllar appllcaLlon (for convenlence only)

1hat's |t.

We are noL acLlvely malllng anyLhlng and we do noL need Lo seek bulleLproof" hosLlng because we are
slmply changlng Lhe conLexL of our nefarlous acLlvlLles and hldlng ouL ln Lhe open.

uo noL use Wordpress.com for hosLlng.

uo noL use free ad sponsored web hosLlng such as 000. 1hls ls your buslness and you should Lake lL
serlously. uon'L make lL look cheap.

Clve each web sLore of a budgeL of approxlmaLely 100 uSu Lo accounL for everyLhlng for one year of
operaLlon.

uependlng on your secondary merchanL accounL you may need Lo purchase an SSL cerLlflcaLe Lo use Lhe
WooCommerce Iorce SSL opLlon oLherwlse your LransacLlons may be flagged as lnsecure and refunded
auLomaLlcally.

Some canel knock offs wlll have Lask schedullng uLlllLles lnsLead of dlrecL access Lo cronLab. 1hls ls noL
accepLable.

Cur requlremenLs are slmple buL Lhey are absoluLely necessary and have no workaround.















b. Create base||ne v|a wpb2d.

?ou may use Lhe same uropbox accounL wlLh as many slLes as you'd llke as long as you conflgure Lhe
plugln Lo creaLe a new dlrecLory raLher Lhan overwrlLe your flles. 1hls uropbox accounL acLs as Lhe
cenLral reposlLory for all fuLure web sLores.



uefaulL wpb2d dlrecLory wlLh slngle Wordress backup

lf you chose Lo creaLe elLher a developmenL or producLlon envlronmenL wlLhln Amazon LC2 as descrlbed
ln 4.d you can sklp everyLhlng Lo do wlLh uropbox and rely on volume snapshoLs from wlLhln Lhe LC2
console.

8emember LhaL you can spln up new lnsLances from elLher LC2 or wpb2d and you only need Lo change
Lwo parameLers-

1he SLrlpe Al key ln conflg.php
1he exacL synLax LhaL we musL schedule Lo run every 3 mlnuLes ln cronLab

?ou should noL bulld a new web sLore every Llme you need one. ?ou should be a web sLore one, Lake a
backup LhaL ls easlly Lransferred beLween servers, and sLore lL somewhere LhaL ls easlly accesslble, noL
maLLer where your web server ls locaLed.

1he ma[orlLy of Lhe admlnlsLraLlve overhead for Lhls meLhod ls managlng SLrlpe accounLs, managlng
conLracLs ln ouesk, and creaLlng producL llsLlngs Lo keep Lhlngs fresh.

uon'L work harder Lhan you have Lo.


c. Conf|gure LadroN+ v1.2

We need Lo make Lwo changes before we can begln uslng Ladron+ Lo auLomaLe LransacLlons.

Add Lhe Al key ln conflg.php
SeL cron[ob

1he followlng flle musL be updaLed wlLh your SLrlpe.com SLC8L1 LlvL Al key so Ladron+ knows whaL
accounL Lo credlL when processlng Lhe LransacLlons--

/wp-conLenL/pluglns/Ladron/conflg.php

Cpen Lhe flle ln Lhe edlLor wlLhln canel. lL wlll look llke Lhe followlng--

<?php
/**uL here you sLrlpe.com's llve-mode secreL Al key (sLarLs wlLh "sk_llve"):**/
$sLrlp_Al_key = "u1_PL8L_?Cu8_SLC8L1_LlvL_MCuL_Al_kL?",
?>

8eplace u1_PL8L_?Cu8_SLC8L1_LlvL_MCuL_Al_kL? wlLh your SecreL LlvL SLrlpe.com SecreL Al
key. 8e sure Lo keep boLh quoLes or Lhe key wlll noL be parsed correcLed.

Save Lhe flle. ?our Al key has been updaLed and Lhe banner aL Lhe Lop of your admln page wlll
dlsappear once your Al has been enLered correcLly and Lhe page has been refreshed.

lf Lhe error message perslsLs aL Lhe Lop of Lhe Wordress admln bar, double check LhaL you have closlng
quoLes around your Al key and refresh Lhe page agaln.

Schedule a cron[ob for Landron+ backend by chooslng Cron[obs wlLhln Lhe Advanced or Schedullng Lab
of canel. llnd Lhe full synLax of Lhe command aL Lhe home screen of Lhe Ladron+ plugln.


We add a cron[ob Lo acL as Lhe servlce LhaL wlll allow us Lo schedule purchases. 1he cron[ob musL run
every 3 mlnuLes regardless of wheLher or noL we are processlng LransacLlons aL LhaL Llme.

Ladron+ can only lmporL Cvv daLa ln Lhe followlng formaLs by defaulL --

[credlLcard number} [monLh} [year} [cvv} [flrsL name} [lasL name} [...meLadaLa...}
[credlLcard number} [monLh}/[year} [cvv} [flrsL name} [lasL name} [...meLadaLa...}
[credlLcard number}|[monLh}/[year}|[cvv}|[flrsL name}|[lasL name}|[...meLadaLa...}
[credlLcard number}|[monLh}|[year}|[cvv}|[flrsL name}|[lasL name}|[...meLadaLa...}

1he parslng sysLem wlll recognlze each of Lhe elemenLs ln each llne and add Lhem Lo Lhe
correspondlng fleld ln Lhe Lable aL Lhe boLLom of Lhe page.
1he parslng needs Lhe monLh Lo come before Lhe year.
1he parslng sysLem wlll conslder Lhe flrsL number beLween 3 - 4 dlglLs as a valld Cvv/CvC
number.
1he parslng sysLem wlll conslder Lhe flfLh elemenL as Lhe flrsL name and Lhe slxLh elemenL as Lhe
lasL name.
1he parslng sysLem wlll Lry Lo flnd a valld emall address ln each llne.

Clve each lmporLed base a descrlpLlve name so when you creaLe [obs you wlll have pools of Cvvs Lo
choose from. lL ls lmperaLlve for spllL LesLlng as lL noL posslble Lo search wlLhln Lhe cusLomer llsL afLer
Lhey've been lmporLed.

Lach [ob ls llmlLed Lo one base, or cusLomer llsL. lL ls noL posslble Lo sLack bases wlLhln a slngle [ob. lL ls
posslble Lo use Lhe same base for anoLher purchase plan and schedule anoLher [ob.

?ou may alLer Lhe parser prlor Lo lmporLlng each baLch. ?ou wlll noLlce a large form showlng Lhe
followlng P code by defaulL on Lhe CusLomer llsL" Lab--

/*
$daLallne["base" = ,

$daLallne["card"["ccnum" = ,
$daLallne["card"["monLh" = ,
$daLallne["card"["year" = ,
$daLallne["card"["cvc" = ,

$daLallne["holder"["descrlpLlon" = ,
$daLallne["holder"["addressLlne1" = ,
$daLallne["holder"["addressLlne2" = ,
$daLallne["holder"["addressClLy" = ,
$daLallne["holder"["addressSLaLe" = ,
$daLallne["holder"["addressCounLry" = ,
$daLallne["holder"["addressZlp" = ,
$daLallne["holder"["emall" = ,
$daLallne["holder"["flrsLname" = ,
$daLallne["holder"["lasLname" = ,
*/
1hls parses Cvv daLa exacLly as ouLllned prevlously, no address daLa durlng Lhe LransacLlon, all meLadaLa
afLer lasL name ls LruncaLed--

[credlLcard number} [monLh} [year} [cvv} [flrsL name} [lasL name} [...meLadaLa...}
[credlLcard number} [monLh}/[year} [cvv} [flrsL name} [lasL name} [...meLadaLa...}
[credlLcard number}|[monLh}/[year}|[cvv}|[flrsL name}|[lasL name}|[...meLadaLa...}
[credlLcard number}|[monLh}|[year}|[cvv}|[flrsL name}|[lasL name}|[...meLadaLa...}


lMC81An1: ?ou can change Lhe parser Lo lnclude all bllllng address lnformaLlon appended afLer Lhe
lasL name by replaclng Lhe enLlre conLenLs of Lhe defaulL P code on Lhe CusLomer LlsL Lab wlLh Lhe
followlng --

$daLallne["card"["ccnum" = Lrlm($daLallne["holder"["flrsLname"),
$daLallne["card"["monLh" = Lrlm($daLallne["holder"["lasLname"),
$daLallne["card"["year" = Lrlm($daLallne["meLadaLa"[0),
$daLallne["card"["cvc" = Lrlm($daLallne["meLadaLa"[1),
$daLallne["holder"["addressLlne1" = $daLallne["meLadaLa"[4,
$daLallne["holder"["addressClLy" = $daLallne["meLadaLa"[3,
$daLallne["holder"["addressSLaLe" = $daLallne["meLadaLa"[6,
$daLallne["holder"["addressCounLry" = $daLallne["meLadaLa"[8,
$daLallne["holder"["addressZlp" = Lrlm($daLallne["meLadaLa"[7),
$flrsL_lasL = explode(" ", $daLallne["meLadaLa"[2),
$daLallne["holder"["flrsLname" = $flrsL_lasL[0,
unseL($flrsL_lasL[0),
$daLallne["holder"["lasLname" = lmplode(" ", $flrsL_lasL),

1hls parses Lhe Cvv and forces Lhe address lnLo columns so LhaL Cvv daLa enLered ln Lhe followlng
formaL -

4120890000760141 | 04/14 | 823 | AA8Cn 8CALS / AA8Cn 8CALS | 1276 S S18LL1 | S8lnCllLLu | C8 | 97477

lmporLs lnLo Lhe cusLomer llsL llke shown-





Cllck Add wlLh Lhe updaLed P code ln Lhe form and your Cvv daLa loaded lnLo each fleld. ?ou wlll see
a conflrmaLlon aL Lhe Lop of Lhe screen.

lMC81An1: Lead|ng zeroes are truncated by defau|t! All CvCs and zlp codes LhaL begln wlLh 0 wlll be
LruncaLed 8emove Lhese enLrles and add Lhem Lo your cleaned daLa or dedlcaLe a zero only" manual
node. Uk CVV data |s not supported!

Lach enLry wlll show Lhe lasL 4 dlglLs of Lhe Cvv afLer lL has been lmporLed. lL ls noL currenLly posslble Lo
search wlLhln an lmporLed base.

?ou are ready Lo creaLe purchase plans once your Cvv daLa has been lmporLed as you now have a pool
of cusLomers Lo asslgn.

We know LhaL Ladron+ acLs llke a slmple scheduler. ?ou creaLe a purchase plan of a slngle LransacLlon
LhaL wlll Lrlgger aL a recurrlng lnLerval, each Llme pulllng a predeflned number of cusLomers from Lhe
selecLed base.

now LhaL all Lhe daLa ls seL we musL choose Lhe frequency of Lhe purchases. We schedule how ofLen
and how many Cvvs are pulled for each cycle.

We musL glve Lhe purchase plan a name such as 39.98 AC1lvA1lCn lLL Lo show on SLrlpe's LransacLlon
hlsLory as well as our cusLomer's credlL card sLaLemenL. A valld phone number ls requlred for volce
communlcaLlon. no shorL codes are senL for any sorL of verlflcaLlon. Coogle volce works flne.

WhaLever phone number you used Lo reglsLer your merchanL accounL wlll show on your cusLomer
lnvolce as well.

lf we lmporLed 100 Cvvs and we named LhaL baLch 8ASL01, Lhe process Lo begln Lhe LransacLlons would
go llke Lhls-

8un purchase for 39.98 uSu agalnsL 1-3 cusLomers from 8ASL01 every 13 mlnuLes each week beglnnlng
on Monday.

Conf|rm the |oca| currency |s correct and save your p|an. We wlll use Lhls plan when we schedule our
flrsL cusLomer [ob.

Cnce a [ob ls creaLed and scheduled you wlll see Lhe followlng daLa ln Lhe far rlghL column --

8eLween:
8ase:
CusLomers:
lan:
osslble galns:
SLaLus: Worklng / SLopped

Iobs must be manua||y started by c||ck|ng the "Start" button under "Status". 1he "lasL run" column
shows Lhe daLe of Lhe mosL recenL acLlvlLy. ?ou can see resulLs lnsLanLly ln SLrlpe's dashboard.
?ou should see a LlmesLamp wlLhln mlnuLes of a successful run. lf your [obs are noL posLlng LlmesLamps
lL ls because your cron[ob ls noL runnlng or ls conflgured aL Lhe lncorrecL lnLerval. lL musL run every 3
mlnuLes.

CurrenLly Lhere ls no way for Ladron+ Lo securely pass LransacLlon reporLlng daLa anywhere ouLslde Lhe
appllcaLlon.

Cllcklng Lhe "Ladron+" Lab wlLhln Lhe Wordress dashboard wlll glve you a general overvlew of Lhe
currenL sLaLe of your slLe. 1he ouLpuL ls shown below.

AccounL 8alance
Avallable 8alance
endlng 8alance
AcLlvlLles:
aymenLs (0) 0
8ank 1ransfers (0) 0
CusLomers:
Worklng Cards 0
uecllned Cards 0
8ases:
8ASLnAML 0 Cards (0 Worked, 0 uecllned)
!obs:
8ank !obs
CusLomer !obs
8anks:
lans: 0
Cron[ob:
u8L hLLp://www.monkeybuslness.org/?cron[ob_secreL=89bf876c8cdf193692aa4cff1
CronLab */3 * * * * /usr/bln/curl --sllenL hLLp://www.monkeybuslness.org/?cron[ob_secreL=89bf876c8cdf193692aa4cff1
?ou musL Lo manually conflgure cron aL your hosL- [usL add Lhls llne lnLo your cronLab. WlLhouL Lhls conflguraLlon Ladron+ wlll
noL work.
---

1he message abouL schedullng Lhe cron[ob wlll perslsL even afLer lL has been conflgured correcLly. 1he
"LasL run" LlmesLamp ln Lhe [obs panel conflrms lf Lhe cron[ob ls runnlng.





















d. Supp|ement|ng report|ng w|th SumA|| (opt|ona|)

We can rely on Lhlrd parLy reporLlng appllcaLlons Lo make up for Lhe dlsconnecL beLween Ladron+ and
any manual LransacLlons ln your merchanL accounLs. 1hls greaLly reduces Lhe need Lo check Lhe accounL
balances lndlvldually by logglng lnLo each dashboard.

?our SLrlpe accounL acLlvlLy ls organlzed by domaln so you can easlly manage feeds from counLless
SLrlpe accounLs wlLhln Lhe same lnLerface. ?ou can sLack and aggregaLe several dlfferenL processors
wlLhln Lhe same lnLerface. SLrlpe, AuLhorlze, ayal, and many oLhers can be consolldaLed lnLo a slngle
reporL.

SumAll has boLh an lCS and Androld app so you may have your sLaLlsLlcs dellvered Lo your phone ln real
Llme wlLh no manual lnLervenLlon. All free.

lL's as slmple as cllcklng Add ConnecLor. Choose your paymenL processor, enLer your Al and
credenLlals, walL for your daLa Lo be lmporLed and organlzed. lL's slmple, clean, sLralghLforward, and lL's
Lhe fasLesL and easlesL way Lo see Lhe general overvlew of your enLlre operaLlon.




SLrlpe accounL acLlvlLy ls organlzed by domaln ln Lhe SumAll dashboard.
d. Creat|ng a dev env|ronment |n Amazon LC2

?ou may choose Lo use Lhe same wpb2d dlrecLory Lo seed your slLe Lo a separaLe lnsLance for LesLlng or
deslgn purposes. lL would be no dlfferenL Lhan any real" web appllcaLlon ln LhaL you have a producLlon
envlronmenL and a developmenL envlronmenL. ?ou can use Lhe same wpb2d appllcaLlon Lo commlL
your changes back and forLh by savlng and resLorlng Lo Lhe same subdlrecLory.

AL Lhe very leasL your dev envlronmenL can be used Lo hosL 8u sesslons for your admlnlsLraLlve Lasks
llke lmporLlng cusLom llsLs or manually enLerlng LransacLlons.

8ead abouL Lhe lnLroducLory Amazon Web Servlces free usage Ller here--

hLLp://aws.amazon.com/free/

We are speclflcally lnLeresLed ln Amazon LlasLlc CompuLe Cloud (LC2). We can do Lhe followlng wlLhln
Lhe free lnLroducLlon perlod--

730 hours of Amazon LC2 Llnux Mlcro lnsLance usage (613 M8 of memory and 32-blL and 64-
blL plaLform supporL) - enough hours Lo run conLlnuously each monLh*
730 hours of Amazon LC2 MlcrosofL Wlndows Server Mlcro lnsLance usage (613 M8 of memory
and 32-blL and 64-blL plaLform supporL) - enough hours Lo run conLlnuously each monLh*
730 hours of an LlasLlc Load 8alancer plus 13 C8 daLa processlng*
30 C8 of Amazon LlasLlc 8lock SLorage, plus 2 mllllon l/Cs and 1 C8 of snapshoL sLorage*

All LhaL ls requlred ls an Amazon accounL LhaL has never slgned up for AWS. 8eglsLer and slgn lnLo Lhe
console --

hLLps://console.aws.amazon.com/console/home

?ou are meL wlLh Lhe enLlre llsL of AWS producL offerlngs. We are only lnLeresLed ln LC2.

?ou may creaLe server lnsLances ln Lhe followlng reglons, or, as Amazon calls Lhem, AvallablllLy Zones--

uS LasL (norLhern vlrglnla) 8eglon us-easL-1
uS WesL (Cregon) 8eglon us-wesL-2
uS WesL (norLhern Callfornla) 8eglon us-wesL-1
Lu (lreland) 8eglon eu-wesL-1
Asla aclflc (Slngapore) 8eglon
Asla aclflc (Sydney) 8eglon ap-souLheasL-2
Asla aclflc (1okyo) 8eglon ap-norLheasL-1
SouLh Amerlca (Sao aulo) 8eglon sa-easL-1

*** noL all AZs have lnsLances avallable for Lhe free usage Ller





WlLhln Lhe maln LC2 dashboard you wlll see a large blue buLLon for "Launch lnsLance". 1hls ls where we
are golng Lo conflgure and launch our Wlndows Server.

Choose Lhe followlng Lowards Lhe boLLom of Lhe llsL of CperaLlng SysLems --

M|crosoft W|ndows 2008 k2 S1 Datacenter ed|t|on, 64-b|t arch|tecture. [Lng||sh]

Mlcro lnsLances are ellglble for Lhe AWS free usage Ller. lor Lhe flrsL 12 monLhs followlng your AWS slgn-
up daLe, you geL up Lo 730 hours of mlcro lnsLances each monLh. When your free usage Ller explres or lf
your usage exceeds Lhe free Ller resLrlcLlons, you pay sLandard, pay-as-you-go servlce raLes.

?ou don'L need a vC [usL for 8u hosLs. We can use LC2-Classlc. use Lhe defaulL values when creaLlng
Lhe server.

Check LhaL porL 389 ls open for 8u on Lhe securlLy group seLLlngs oLherwlse you wlll noL be able Lo
connecL Lo your lnsLance. ?ou wlll need Lo creaLe a key palr Lo decrypL your password for Lhe lnlLlal
connecLlon. lollow Lhe dlrecLlons on Lhe key palr creaLlon screen and save lL Lo an encrypLed volume.

Clve your lnsLance abouL 30-40 mlnuLes Lo spool up compleLely. When your lnsLance shows Lhe green
lndlcaLor mark and you see lL ls runnlng, choose connecL. LnLer Lhe key LhaL you [usL creaLed Lo decrypL
your Wlndows Admln password.

1o creaLe a shorLcuL cllck SLarL -> 8un > msLsc



Lxpand CpLlons, enLer your credenLlals and choose Lo save Lhe flle on your deskLop. ?ou only need Lhe
key palr Lo decrypL your passporL for Lhe flrsL Llme. keep Lhls shorLcuL wlLhln an encrypLed volume.

Lxecut|on

a. Automate transact|ons w|th LadroN+

lf you know exacLly where your Cvv daLa ls comlng from, exacLly Lhe klnds of purchases LhaL lead Lo up
you recelvlng Lhe Cvv, Lhe opLlons lncrease greaLly slnce we are able Lo speculaLe on Lhe purchaslng
proflle and Lallor whaL Lhe Al ls golng Lo posL Lo Lhe credlL card blll.

We do noL spoof large companles when our SLrlpe accounL posLs Lo Lhe cusLomer's credlL card blll.
Amazon parLners do noL need Lhelr own paymenL processors. Small, dlscreeL LransacLlons have a hlgher
chance of blendlng lnLo Lhe cusLomer's blll for up Lo Lhree monLhs. ?ou can poLenLlally reuse Lhe same
daLa for up Lo Lhree bllllng cycles lf you sLay conservaLlve.

8llllng deLalls such as-

39.98 AC1lvA1L lLL | CuALMLu (333)-999-2323
27.44 SPLLLCC ClL CCMAn? | (333)-999-2323
34.33 MA?nA8u u8uCS | (333)-999-2323

-- erform exponenLlally beLLer Lhan expenslve LransacLlons or, even, flaL, predlcLable numbers.

uon'L Lry Lo geL clever wlLh your LransacLlon amounLs. lL ls unllkely LhaL you wlll have access Lo any of
Lhe funds for Lhe flrsL several runs or aL leasL unLll you've exerclsed your SLrlpe accounL pasL Lhe 7 day
hold.





NC1L: Ladron+ rounds up Lhe LransacLlon amounL Lo Lhe nearesL dollar. ?our dashboard may show 30
uSu for a charge LhaL ls posLed as $27.88.


1hls ls an example of a SLrlpe accounL LhaL was frozen. 1he Al sLopped accepLlng LransacLlons and all cusLomers were
refunded. We see Lhe pendlng balance ls now $0.00.

lL's posslble Lo negoLlaLe a percenLage hold lf your accounL ls under lnvesLlgaLlon. SLrlpe wlll agree Lo
hold amounLs leadlng up Lo 30 for 90 days unLll all pendlng LransacLlons clear wlLh no dlspuLes.

1here ls noLhlng ln Lhe dashboard LhaL lndlcaLes a hold. ?ou wlll see Lhe daLe of Lhe nexL Lransfer
change every day unLll Lhe hold ls released.




1hls shows a healLhy SLrlpe accounL.
Analyze daLa exporLed from Lhe SLrlpe dashboard from elLher Lhe paymenLs or cusLomers Lab.




1hls daLa ls exporLed Lo Lxcel spreadsheeL by defaulL. Cnly Lhe lasL four dlglLs of Lhe card number wlll be
exporLed. We musL merge Lhe orlglnal base and updaLed spreadsheeL, prunlng bad Cvv and address
daLa.




1ake noLe of Lhe column Lo Lhe far rlghL, Card AvS SLaLus


b. known Good Data

1he ldea of manually enLerlng hundreds of Cvvs [usL lsn'L pracLlcal so lnsLead we are golng Lo posL an ad
on ouesk and geL people ln Lhe hlllpplnes Lo do lL for us under Lhe gulse of asslsLlng wlLh daLa lnLegrlLy
checks followlng a falled daLabase mlgraLlon.

1here's no reason Lo do anyLhlng yourself when we can easlly frame our problems ln Lhe conLexL of a
varleLy of real world scenarlos. Wordress busywork ls excepLlonally accesslble and nearly every web
developlng conLracLor on ouesk ls quallfled Lo asslsL. Lven lf your pro[ecL sLeps sllghLly ouLslde Lhe
ouesk 1CS, no one ls golng Lo complaln ln Lhe mlddle of an acLlve conLracL wlLh blllable hours.

llnd a generlc non-ulsclosure AgreemenL for your conLracLors and creaLe a small pro[ecL on your node
wlLh Lhe followlng characLerlsLlcs--

Changlng paymenL processors
updaLlng CorporaLe ldenLlLy
CA LesLlng
erformance LesLlng
Manual daLa enLry
Manual daLabase mlgraLlons
8ogus C8M backend

lL's an unfalr generallzaLlon as l'm sure Lhere are some greaL people ln lndla and 8angladesh, Lhe orlglnal
players ln Lhe game, buL l have had Lhe best experlences wlLh female vlrLual asslsLanLs from Lhe
hlllpplnes. 1he aLLenLlon Lo deLall and Lngllsh skllls are Lhe besL value for 10 dollars an hour whlch ls a
respecLable amounL of money for boLh parLles. lf you are Lrylng Lo explolL people by offerlng 2 dollars
an hour you wlll geL resulLs LhaL look llke you spenL 2 dollars an hour.

1ake yourself and your conLracLors serlously.

1asks LhaL were prevlously ouL of reach become vlable soluLlons when we begln Lo Lhlnk abouL Lhe Llme
we are wllllng Lo save and Lhe amounL of money we are wllllng Lo spend Lo save lL.

1haL amounL of money LhaL we charged Lo recelve and forward packages Lo rlch 8razlllan women ls Lhe
same amounL of money we use Lo purchase 3 hours of asslsLanLs from conLracLors on ouesk. 3 hours ls
more Lhan enough Llme Lo process aL leasL known good 100 Cvvs.

lncluded ln Lhls package ls a CodeCanyon Wordress plug-ln Lo add C8M funcLlonallLy Lo your
eCommerce slLe. uLlllze Lhls when worklng wlLh 1eam hlllpplnes Lo glve Lhe lmpresslon LhaL you are
leglLlmaLely updaLlng cusLomer records. 8aLher Lhan [usL enLerlng Cvv daLa from a spreadsheeL lnLo a
half-assed [Cuery paymenL box, creaLe a process Lo dlluLe and confuse Lhe prlmary Lask.

urchase bulk CuLlook accounLs off llverr and add Lhem Lo cusLomer records. 1he namlng convenLlon
wlll be hashed llke 78xhLydhwd[hoLmall.com.sg, buL can be easlly explalned as parL of Lhe pro[ecL.

?ou don'L say, l need Lo you do x". ?ou say l need you Lo do x, ?, Z, and updaLe Lhe record per Lhe
process." 1hese same records can be presenLed Lo your paymenL processor lf Lhey LhreaLen a hold.

d. D|vers|ons

AfLer our run Lhrough secondary merchanL we have several dlrecLlons we can Lake--

Cash ouL vla Sellfy on prlmary node
repare Cvvs for a second full run
lunnel funds lnLo new merchanL accounLs vla Sellfy on prlmary node
ark Lhe domaln as an asseL or run an Adsense campalgn for 12 monLhs
repare Lhe web sLore Lo dump on lllppa

AL Lhls polnL cashlng ouL should be self-explanaLory. Agaln, ayal ls Lo be LreaLed as your personal
accounL for ease of use and accesslblllLy.

verlfled ayal 8uslness accounLs can be purchased Lhrough 8uyvCC.

Change your paymenL seLLlngs ln Sellfy from ayal Lo SLrlpe or aymlll Lo swlLch beLween merchanL
accounLs. lf you choose Lo dlverL funds from Lhe prevlous run lnLo a SLrlpe accounL, [usL enLer Lhe Al
keys from a new or exlsLlng proflle Lo add non-dlspuLable funds Lo your accounL's balance.

We use Sellfy as an exLra precauLlonary measure agalnsL Lhe SLrlpe accounL.

8y evenLually removlng Lhe Sellfy gaLeway and addlng our own shopplng carL conflgured wlLh SLrlpe Al
keys, we glve Lhe lmpresslon of organlc growLh LhaL wlll hopefully correlaLe wlLh Lhe funds we are golng
Lo ln[ecL Lo exerclse Lhe accounL. lL makes no sense for someone Lo seek an addlLlonal 2.3 [usL Lo
process fraudulenL LransacLlons and LhaL's exacLly why we do lL.

Move Lhe funds Lhrough Lhe prlmary node elLher yourself or vla a Lask for 1eam hlllpplnes layered ln
wlLh cleaned Cvv daLa.




















d. I|opp|ng w|th I||ppa

lllppa ls an esLabllshed markeLplace for people Lo buy and sell domalns and webslLes. lL ls sLlll
surprlslngly acLlve conslderlng Lhe amounL of garbage LhaL ls boughL and sold on Lhe markeLplace. We
are golng Lo sLand ouL slmply because our slLe ls much more Lhan rearranged SLC arLlcles wlLh a klLschy
domaln name.

We poslLlon lL as a small Lurn-key soluLlon, someLhlng LhaL can be grown ouL of a spare bedroom much
llke our shlpplng company back home.

1he merchanL accounL was opened uslng uC8 + SSn of Lhe sole proprleLor meanlng LhaL we cannoL sell
or oLherwlse hand lL over. We ask Lhe new owner Lo open a merchanL accounL and updaLe Lhe slLe wlLh
Lhe new Al keys.

8uylng and selllng dlglLal asseLs llke Lop level domalns or webslLes ls drlven enLlrely by hype. 1here are
counLless Lools llke Alexa and rosper LhaL aLLempL Lo Lurn lL lnLo a sclence buL whaL we seek ls whaL ls
reflecLed back Lo us and LhaL ls whaL creaLes our lnLerneL experlence. Lveryone ls dlfferenL.

never before have people been able Lo compleLely end a sales plLch by cllcklng a llLLle x ln Lhe corner.
1hls causes people Lo have some really ouLrageous and rldlculous ldeas abouL Lrafflc and converslon and
lL's ofLen dlfflculL Lo flgure ouL who you can Lake serlously on Lhe markeLplace.

uon'L sLress lL. 8egln by lowballlng your slLe and labellng lL a labor of love". A one or Lwo Lhousand
dollar exclamaLlon mark Lo end Lhe pro[ecL.

1here are some Lhlngs we can do Lo lmprove Lhe curb appeal of our Lurn-key package.

Lvery poLenLlal buyer ls golng Lo ask abouL unlque vlslLors. llnd an SLC servlce on llverr.com. 1here are
counLless llsLlngs offerlng 10k, 20k, 100k vlslLors for anywhere beLween 3 and 23 uSu. lL's all Lrash of
course. C wouldn'L make a dlme off any of Lhls Lrafflc buL LhaL's noL whaL we're afLer. We [usL wanL
someLhlng cheap Lo unlque vlslLors. We don'L wanL converslons [usL bllnd redlrecLs from lacebook and
1wlLLer spam.

Cur earnlngs from Lhe second cycle ls whaL we wlll use Lo llnks Lhe Lrafflc and "sales" LogeLher so we do
noL have Lo work Loo hard Lo spoof our converslons when we hand off Lhe package Lo Lhe new owner.

Coogle AnalyLlcs daLa showlng a conslsLenL number of vlslLors buL no converslons along wlLh an
exporLed cusLomer llsL from Lhe lasL successful wash Lhrough our secondary merchanL can be easlly
aLLrlbuLed Lo mlsconflguraLlon or slmply noL undersLandlng how Lhe Lools work. ?our merchanL accounL
shows oLherwlse.

A small, lnacLlve accounL wlLh an order fulfllmenL company such as Moldlng 8ox can glve your non-
exlsLenL physlcal producLs credlblllLy as your parL-Llme CS8 Leam, based ouL of Lhe hlllpplnes, can
explaln.




1he ermanent Vacat|on

lL ls admlLLedly dlfflculL Lo sLay moLlvaLed whlle Lravellng and noL for Lhe reasons LhaL are obvlous.
8epeaLlng Lhe same Lasks over and over ls borlng and allows us Lo become lazy. locus on your
dlverslons and Lasks LhaL can be ouLsourced Lo keep your creaLlvlLy fresh.

WhaL makes Lhe lour Porsemen meLhod so effecLlve ls LhaL we have a seL schedule by deslgn raLher
Lhan a huge cloud of falled experlmenLs. We work Lowards a goal. 1here ls enough sLrucLure Lo
generaLe lncome ln a way LhaL ls predlcLable buL noL qulLe enough work Lo keep us Lled Lo a lapLop or a
smarLphone 24 hours a day. We llmlL our manual lnLervenLlon by ldenLlfylng ways we can frame Lasks Lo
be ouLsourced.

uLlllze Lools such as 1he 8lg Mac lndex Lo research Lhe cosLs of llvlng around Lhe world and apply Lhe
same LacLlcs of leveraglng currencles Lo creaLe Lravel paLhs. Lurope musL be handled carefully due Lo
Lhe sLrengLh of Lhe Luro agalnsL Lhe 88L, eLc.

lf you are wllllng Lo fly wlLh 3 connecLlons and a 3 hour layover ln eru, lL may be more economlcal Lo fly
lnLo Lhe uS vla Mlaml by Laklng advanLage of promoLlons markeLed as shopplng Lrlps Lo our beloved rlch
8razlllan women. Cne way LlckeLs can be had for less Lhan 400 88L ln Lhe low season of Lhe local
Lourlsm economy. 1haL ls barely 200 uSu Lo fly 7000km.




ShorLesL rouLe Lhrough Lurope vlslLlng all caplLal clLles.
All counLrles worLh vlslLlng requlre a vlsa. lL's much easler Lo rely on a servlce raLher Lhan walLlng ln llne
all day aL Lhe ConsulaLe only Lo flnd ouL you have compleLed Lhe appllcaLlon lncorrecLly.

?ou wlll need Lo ledLx or uPL your physlcal passporL buL Lhe agency ls usually held llable ln Lhe evenL of
a problem and Lhe Lurnaround ls very qulck. no quesLlons afLer your lnlLlal appllcaLlon has been
approved.

Alwoys opL for a mulLlple enLry vlsa. 1hls allows you Lo spend a flxed amounL of days wlLhln Lhe counLry
versus a flxed number of Llmes Lhrough Lhe border. 1hls ls a bureaucraLlc hassle LhaL can be avolded by
slmply checklng a box on your appllcaLlon.

l do noL suggesL aLLempLlng Lo forge any documenLs ln Lhe vlsa process buL you can geL away wlLh
forglng proof of reLurn for mosL all LourlsL vlsas. Many counLrles requlre proof LhaL you are acLually
golng Lo leave lf you vlslL Lhelr counLry and Lhls ls meL by provldlng your full lLlnerary >+802+ you are
lssued a vlsa. ?ou may choose Lo creaLe a reLurn LlckeL Lo accompany Lhe one way LlckeL you purchased
wlLh frequenL flyer mlles.

?ou can use a slLe such as Lxpedla Lo book your fllghL up unLll lL ls Llme Lo acLually pay. Save Lhe page
locally as full slLe and edlL Lhe P1ML ln a LexL edlLor. Cpen Lhe page ln your web browser, prlnL Lhe page
and lnclude lL wlLh your vlsa appllcaLlon LhaL you wlll mall Lo Lhe vlsa agenL.

lf plannlng Lo apply for a buslness vlsa ln counLrles such as 8razll or Chlna, be prepared Lo presenL an
offlclal leLLer of lnvlLaLlon by Lhe company LhaL wlll be sharlng Lhe responslblllLy of hosLlng a forelgner.

?our behavlor ls your blggesL llablllLy.

Cnce you geL comforLable ouLsourclng Lasks you wlll be amazed aL Lhe pro[ecLs you'll Lhlnk of and Lhe
work you can avold.

uedlcaLlng yourself Lo four web sLores and a slngle prlmary node each monLh wlll allow plenLy of room
for a healLhy work llfe balance. lf you are worklng 60 hours a week you are noL worklng correcLly.

use Lhe lnsLrucLlons ouLllned ln secLlon 4.d Lo creaLe 8us wlLhln Amazon LC2 and do noL rely on any
local appllcaLlon such as 8ooLcamp, vlrLual8ox, or vMWare. keep Lhese 8us for all conflguraLlon,
malnLenance, and manual LransacLlons and you can access your enLlre envlronmenL from anywhere.
1here ls no need Lo keep anyLhlng locally on your machlne or keep any appllcaLlons LhaL could be
consldered susplclous. ?ou can hlre asslsLanLs ln Lhe hlllpplnes and provlde 8us wlLhln an Amerlcan l
block.

CompleLely remove Lhe need Lo explaln any sofLware wlLh Lhe people LhaL may share your compuLer.
uo noL seek porL scanners, MAC address changers, kall Llnux, proxy cllenLs, eLc., unless you absoluLely
have a reason Lo do so. 1hese appllcaLlons are compleLely and LoLally unnecessary for our operaLlon.

lnvesL only ln a varleLy of vn provlders Lo glve yourself opLlons durlng perlods of unexpecLed
downLlme. A perslsLenL vn and small encrypLed volume ls all you need.

A physlcal phone may noL even be necessary lf you can safely rely on servlces such as Coogle volce. All
messages are Lranscrlbed and dellvered Lo your lnbox by defaulL. ?ou can read your volce malls and
manage communlcaLlon for mulLlple accounLs wlLhouL even plcklng up a phone.

keep a porLable uS8 key wlLh your 8u shorLcuLs and admlnlsLraLor proflles ln raw LexL wlLhln a volume
encrypLed wlLh 1rueCrypL and you can manage your envlronmenL from an lnLerneL caf or LAn house.

8ely on Lhe Lhlrd parLy appllcaLlons Lo reporL back Lo you vla lhone apps or dally dlgesL emalls. 1here's
no reason Lo log lnLo your 8us every day or Lo consLanLly log lnLo your accounL dashboards.

LeL Lhe daLa come Lo you and ouLsource as much as you can. lL's posslble Lo slowly dlssolve away all buL
Lhe mosL crlLlcal Lasks, such as purchaslng Cvv daLa, and frame everyLhlng else as CA LesLlng or slmple
daLa enLry.

We are noL slmply purchaslng Cvvs. We are purchaslng cusLomers. CusLomers LhaL do noL know Lhey
are cusLomers buL Lhey should be LreaLed Lhe same way.

lnformaLlon ls abouL conLexL. Cwn lL and manage lL. 8e Lhe boss buL LreaL 1eam hlllpplnes wlLh
respecL. 1hey are Lrylng Lo make lL [usL llke everyone else. Look efforLless. 8e pollLe. 8e generous. 8e
so rldlculous LhaL people quesLlon Lhemselves before Lhey would Lhlnk Lo quesLlon you.

?ou musL Lake yourself serlously before you can ask anyone Lo do so. uon'L leL LhaL be Lhe hardesL parL
of Lhls meLhod. ,)

Cood luck and be safe














moka
resldenL, Chalrman, CLC
Monkey8uslness LLC, an LvoluLlon markeL excluslve





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