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The first six digits of the account number in any credit<br>card indicate the Bank Identification Numbers (BIN).

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  1. BIN LIST TOOL The first six digits of the account number in any credit card indicate the Bank Identification Numbers (BIN). These numbers are very important as they must be verified before any payment would be authorized. Validating this number involves the use of a BIN list tool to identify the institution that issued the card and other secured information. The BIN checker tool, as I mentioned earlier, is a tool employed in authenticating the corporality of a bank identification number from updated databases. The primary function of this tool is to get the necessary information needed to validate transactions done with credit cards. This involves checking the first 4 to 6 digit of the credit or debit card. Due to frequent changes and the wide range of records that it covers – over 300, 000 record at the moment - it is almost impossible to maintain or read directly from the BIN list. Fortunately there is a tool that helps curb this drawback – the BIN checker tool. We will talk more about this tool in the next article.

  2. How The BIN List Tool Works It is pretty simple. The aim of the tool is to lookup the BIN to see if it is a credit, debit prepaid, or charge card. To use the too, simply enter the first six digit and click on check. The tool will bring up all the secured information related to the BIN you entered. Here is a table showing the card design for 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

  3. 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 16, 18, 19 Solo 6334, 6767 No 564182, 4903, 633110, 4936, 6759, 4911, 4905, 6333 19, 18, 16 Switch No 13, 16, 19 Visa 4 Yes UATP 1 Yes 15 The BIN List tool also checks for the Major Industry Identifier, which is the first digit of the credit card number. Below is a table showing the Major Industry Identifier (MII) Major Industry Identifier (MII) 0 Category ISO/TC 68 and other

  4. industry assignments Airlines Airlines, financial and other future industry assignments Travel and entertainment Banking and financial Banking and financial Merchandising and banking/financial Petroleum and other future industry assignments Healthcare, telecommunications, and other future industry assignments For assignment by national standards bodies 1 2 3 4 5 6 7 8 9 Why use the BIN list tool? The BIN list tool is useful in determining the card type by traders. It tells whether it is a credit card, debit card, prepaid card, or charge card. It helps to prevent fraudulent transactions especially from foreign countries outside US and Canada. The

  5. BIN list tool provides users with the opportunity to monitor suspicious orders.

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