Moneypak is very similar to a credit card, however, it has a pre-loaded amount of money that the user can use to buy things and purchase online.
Despite claiming to be from the FBI, it is in fact a scam and not run by the FBI.
In 2012, the FBI published advice relating to the FBI MoneyPak virus.
FBI Moneypak is typically installed onto a computer when the user visits a hacked web site that contains malicious scripts that exploit vulnerabilities on the computer to install the FBI Ransomware without their knowledge or permission.
Once installed, the FBI Ransomware will be configured to start automatically when you login to Windows. If FBI Moneypak infiltrates the user's computer, it denies their access instantly. Suffering from a locked PC denotes that the trojan has already altered the user's registry. This ransomware also drops harmful files onto the user's hard drive.
Once started, it displays a large alert that pretends to be from the FBI and states that the user's computer has been blocked due to it being involved with the distribution of pornographic material, SPAM, or copyrighted content. In order to access their Windows desktop and their applications they must first pay a fine of $100 in the form of a MoneyPak.
Once the malware developers receive the ransom they will then unlock your computer within 1 to 48 hours. To make the alert seem more authentic, the malware also has the ability to access your installed webcam so that the alert shows what is happening in the room.
The text of this ransom note is:
The FBI Federal Bureau of Investigation ATTENTION! IP: xxx.xxx.xxx Location: Your Country Here IPS: Your ISP Here Your PC is blocked due to at least one of the reasons specified below. You have been violation Copyright and Related Rights Law (Video, Music, Software) and illegally using or distributing copyrighted content, thus infringing Article I, Section 8, Clause 8, also known as the Copyright of the Criminal Code of United States of America. Article I, Section 8, Clause 8 of the Criminal Code provides for a fine of two to five hundred minimal wages or a deprivation of liberty for two to eight years. You have been viewing or distributing prohibited Pornographic content (Child Porno, Zoofilia and etc). Thus violating article 202 of the Criminal Code of United States of America. Article 202 of the Criminal Code provides for a deprivation of liberty for four to twelve years. Illegal access has been initiated from your PC without your knowledge or consent, your PC may be infected by malware, thus you are violating the law of Neglectful Use of Personal Computer. Article 210 of the Criminal Code provides for a fine of up to $100,000 and/or a deprivation of liberty for four to nine years. Pursuant to the amendment to the Criminal Code of United States of America of May 28, 2011, this law infringement (if it is not repeated - first time) may be considered as conditional in case you pay the fine to the State. Fines may be paid within 72 hours after the infringement. As soon as 72 hours elapse, the possibility to pay the fine expires, and a criminal case is initiated against you automatically within the next 72 hours! To unblock the computer, you must pay the fine through MoneyPak of 100$.