credit card bin test
A credit card BIN test reads the first six to eight digits of a card number to reveal the issuing bank, brand, card type, and country of issue.
Redeem your gift cards at any of our Merchants
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Onyx Gift Cards is a Grenadian company designed to introduce, market and manage gift cards systems in Grenada for retailers and corporations. We are enthusiastic about the effect and influence we will have on the local market. We intend to expand our systems regionally with a range of product offerings and services.
Gift cards are the preferred way of giving and receiving gifts. They carry a monetary value that can be redeemed for gifts at your favorite store.
Onyx GiftCards are “Open Gift Cards” which means that they can be redeemed at multiple merchant locations. They are standard credit card size, can fit into the average wallet and made of PVC plastic. Onyx GiftCards are Barcoded for security and safety for the consumer and bear a disclaimer at the back.
Onyx Giftcards can be bought with a branded Card backer which is black in colour and is designed to fit the card. There is an area to write a brief message to the recipient as well.
A BIN number test checks the first six to eight digits of a payment card. Those digits hold the bank identification number, or BIN. A test returns the card brand, the issuing bank, the card type, and the country of issue. A test does not prove that a card is open or funded. An authorization request sent to the issuer does that.
ISO/IEC 7812 sets the card numbering scheme. The parts are:
Card brand is not set by digit 1 alone. Mastercard uses 51 to 55 and 2221 to 2720. Some issuers use eight-digit BINs to add range capacity.
The Luhn algorithm is a mod-10 checksum. It catches one mistyped digit or one swapped pair. Any person with a calculator can compute it. A number that passes Luhn can still be invented.
Merchants, processors, and issuers use BIN data at checkout. Common uses:
A BIN attack, also called card testing, submits many card numbers from one BIN range to a payment form. Ticket sizes stay small. The sender reads the decline and approval codes to sort live numbers from dead ones.
Common signals:
Issuers score velocity and pattern data at authorization. A number that passes a format check can return a decline. Repeated attempts from one source raise the risk score. The result is a block, not a valid card.
In the United States, 18 U.S.C. 1029 covers access device fraud. Using card numbers without authorization carries prison terms and fines. Card networks also fine acquiring banks for high fraud rates.