The initial six digits of the account number in almost any plastic card indicate the Bank Identification Numbers (BIN). These numbers are essential since they has to be verified before any payment could be authorized. Validating this number involves the using a BIN list tool to recognize the institution that issued the credit card and also other secured information.
The BIN checker tool, as I mentioned earlier, is a tool doing work in authenticating the corporality of a bank identification number from updated databases.
The principal objective of it is to find the mandatory information required to validate transactions carried out with bank cards. This involves examining the first 3 to 4 digit of the debit or credit card.
Due to frequent changes along with the wide range of records which it covers – over 300, 000 record at the moment – it really is nearly impossible to take care of or read directly from the BIN list.
Fortunately there exists a tool that can help curb this drawback – the BIN checker tool. We’re going to talk more details on it in the next article.
How TheBIN List Tool Works
It can be really quite simple. The aim of the tool is to lookup the BIN to find out if it is a credit, debit prepaid, or plastic card.
To use the too, simply enter in the first six digit and click on check. The tool provides up all the secured information related to the BIN you entered.
Here’s a table showing the card the perception of BIN range and length.
Card design for Bank Identification Number (BIN) Range and Length
Issuing network BIN ranges Active Length
American Express 34, 37 Yes 15
Bankcard 5610, 560221-560225 No 16
China UnionPay 62 Yes 16-19
Diners Club Carte Blanche 300-305 Yes 14
Diners Club enRoute 2014, 2149 No 15
Diners Club International 36 Yes 14
Diners Club Canada & USA 54, 55 Yes 16
Discover Card 6011, 622126-622925, 644-649, 65 Yes 16
InterPayment 636 Yes 16
InstaPayment 637-639 Yes 16
JCB 3528-3589 Yes 16
Laser 6304, 6706, 6771, 6709 No 16-19
Maestro 50, 56-58, 6 Yes 12-19
MasterCard 2221-2720, 51-55 Yes 16
Solo 6334, 6767 No 16, 18, 19
Switch 564182, 4903, 633110, 4936, 6759, 4911, 4905, 6333 No 19, 18, 16
Visa 4 Yes 13, 16, 19
UATP 1 Yes 15
The BIN List tool also checks for the Major Industry Identifier, the first digit in the credit card number.
Below is a table showing the most important Industry Identifier (MII)
Major Industry Identifier (MII) Category
0 ISO/TC 68 as well as other industry assignments
1 Airlines
2 Airlines, financial along with other future industry assignments
3 Travel and entertainment
4 Banking and financial
5 Banking and financial
6 Merchandising and banking/financial
7 Petroleum as well as other future industry assignments
8 Healthcare, telecommunications, and also other future industry assignments
9 For assignment by national standards bodies
The reason to use the BIN list tool?
• The BIN list tool is useful in determining the credit card type by traders. It tells whether it be a charge card, bank card, prepaid credit card, or plastic card.
• It helps you to prevent fraudulent transactions especially from foreign countries outside US and Canada. The BIN list tool provides users with the possiblity to monitor suspicious orders.
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