Cybercrime groups have emerged into areas of specialization, with the top of the food chain acting as general contractors. Fraud-as-a-service based offerings have become commonplace, with everything from DDoS attacks and botnet rentals to stolen payment cards healthcare records, and social media accounts for sale in just a single click. With the increasing demand and competition in the deep web, some cybercriminals are making customer service guarantees a key differentiator for their services with try-before-you-buy options and returns for bad payment cards.”]
Source: https://www.csoonline.com/article/3028122/the-dark-net-s-fraud-as-a-service-faas.html