Prepaid, Gift and Virtual Cards Detection

Detect transactions from disposable cards and reduce failed subscription billing payments attempts.

BinDB can currently identify over 12,000 different Prepaid, Virtual (temporary card) and Gift cards from different card payment networks. Making it impossible to check the credit history of the buyer, prepaid and gift card related fraud generates millions of dollars of losses every year. Another danger is when people sign in for recurring online services. A common scenario includes a person signing up for a service after pre-loading the initial balance needed for signup, however once he used the service for a month, the prepaid card does not contain enough balance for re-billing.


List of major financial institutions issuing prepaid, gift cards and co-branded cards: The Bancorp Bank, Pathward N.A. (previously known as MetaBank) , Republic Bank & Trust Company, Green Dot Bank, Sutton Bank, Jpmorgan Chase Bank, U.S. Bank, Metropolitan Commercial Bank, Comerica Bank, Sunrise Banks, Axos Bank, Stride Bank, Peoples Trust Company and much more.


Prepaid Cards

Very similar to a regular debit card, however the main difference is it is not connected to your checking account.
The Prepaid needs to be preloaded from the user and allows spending only the preloaded amount.
Regular debit cards which are connected to a checking account may use overdraft (if the bank account has it enabled) to allow spending more than the funds in the checking account.

Prepaid cards also split in two sub-categories "Reloadable" and "Non-Reloadable".
Reloadable prepaid cards can be used multiple times when non-reloadable cards cannot be used once the amount of funds is exhausted.
You may try the IIN Lookup with some of our examples.


BIN Brand Bank Type Level Country
357401JCBLINE PAY CORPORATIONDEBITPREPAIDJP
372742AMEXSERVE BY AMERICAN EXPRESSDEBITPREPAIDUS
375150AMEXBLUEBIRD BY AMERICAN EXPRESS AND WALMARTDEBITPREPAIDUS
403995VISANETSPEND ISSUED BY Pathward N.A. (previously known as MetaBank) DEBITPREPAIDUS
422803VISAMOVOCASH BY METROPOLITAN COMMERCIAL BANKDEBITPREPAIDUS
437303VISAWALMART MONEYCARD ISSUED BY GREEN DOTDEBITPREPAIDUS
442062VISAMYVANILLA ISSUED BY BANCORP BANKDEBITPREPAIDUS
459654VISAREVOLUT LTDDEBITPREPAIDGB
511361MASTERCARDNETSPEND ISSUED BY Pathward N.A. (previously known as MetaBank) DEBITPREPAIDUS
527346MASTERCARDREVOLUT LTDDEBITPREPAIDGB
530072MASTERCARDPAYONEER CARDDEBITPREPAIDGB
531106MASTERCARDPAYPAL / NETSPEND BY THE BANCORP BANKDEBITPREPAIDUS
533621MASTERCARDVANILLA ISSUED BY PEOPLE TRUST BANKDEBITPREPAIDCA
535463MASTERCARDMONESE BY PREPAY TECHNOLOGIES LTDDEBITPREPAIDGB
539123MASTERCARDREVOLUT LTDDEBITPREPAIDGB
539186MASTERCARDAMAZON/EASYPAY BY SUTTON BANKDEBITPREPAIDUS
559900MASTERCARDYANDEX.MONEY LLCDEBITPREPAIDRU
533248MASTERCARDDIRECT EXPRESS ISSUED BY COMERICA BANKDEBITPREPAIDUS
601120DISCOVERDISCOVER BANKDEBITPREPAIDUS
601149DISCOVERDISCOVER BANKDEBITPREPAIDUS


Gift Cards: Non-reloadable prepaid card

Gift cards come with a preloaded amount of funds and can only be used once.
They are generally designed to be given as a gift to a person, who can spend the amount to buy a gift of his choice.
Although a great idea, those cards are virtually anonymous and provide no information for their owner to the payment processor.
It is important for many businesses to deny purchases or transactions with gift cards such as recurring services, rentals etc...



BIN Brand Bank Type Level Country
372300AMEXSIMON GIFT CARDDEBITGIFTUS
377935AMEXTARGET GIFT CARDDEBITGIFTUS
403446VISAGIFTCARDMALL BY SUNRISE BANKSDEBITGIFTUS
407714VISAMYGIFTCARDSITE BY U.S. BANK N.A.DEBITGIFTUS
426370VISAVANILLA WALMART BY PEOPLE TRUST BANKDEBITGIFTCA
435880VISAGIFTCARDMALL BY Pathward N.A. (previously known as MetaBank) DEBITGIFTUS
472926VISAVANILLA BY PEOPLE TRUST BANKDEBITGIFTCA
484224VISAYOUGOV BY BANCORP BANKDEBITGIFTUS
484718VISAVANILLA BY THE BANCORP BANKDEBITGIFTUS
485246VISAWALMART CARD ISSUED BY GREEN DOTDEBITGIFTUS
494160VISAONEVANILLA BY BANCORP BANKDEBITGIFTUS
516488MASTERCARDVANILLA CARD BY BANCORP BANKDEBITGIFTUS
601140DISCOVERDISCOVER BANKDEBITGIFTUS


Virtual Cards

The virtual cards are a type of Prepaid cards which are generated online by the bank or company that issues the card. They can also be two types based on their properties:

- One-Time-Use Virtual Cards (Disposable card / Temporary card)

Some banks provide a service for generating a different card number each time the client wants to make a purchase.
This is good practice for protecting the card number from theft, however poses issues for the payment processors.
Often banks and financial institutions issue a virtual one-time-use card on the same BIN as your credit/debit card.

- Multiple-Use Virtual Cards

Some issuers allow you to keep the virtual card number for multiple use ( recurring billing services etc. ).
Those virtual cards are slightly more reliable for payment processors and online businesses, however are still considered a risk.


BIN Brand Bank Type Level Country
415059VISALA BANQUE POSTALEDEBITVIRTUALFR
419973VISAVELOCITY ISSUED BY REV WORLDWIDE INC.DEBITVIRTUALAU
427432VISASBERBANKDEBITVIRTUALRU
428813VISAU.S. BANK N.A.DEBITVIRTUALUS
454861VISAVANILLA EGIFT BY BANCORP BANKDEBITVIRTUALUS
459654VISAREVOLUT LTDDEBITVIRTUALGB
466544VISAXAPO CARD ISSUED BY WAVE CREST HOLDINGS LIMITEDDEBITVIRTUALGI
468789VISASAIGON THUONG TIN COMMERCIAL JOINT STOCK BANKDEBITVIRTUALVN
489049VISAQIWI BANK JSCDEBITVIRTUALRU
498872VISARAZER PAYDEBITVIRTUALNZ
529559MASTERCARDSCRILL BY PAYSAFEDEBITVIRTUALGB
533935MASTERCARDECOCARD ISSUED BY PSI-PAY LTD.DEBITVIRTUALGB
535456MASTERCARDREVOLUT LTDDEBITVIRTUALGB
540302MASTERCARDCITIBANK N.A.DEBITVIRTUALUS
541591MASTERCARDNETELLER VIRTUAL CARD BY PAYSAFEDEBITVIRTUALGB


Conclusion

In general online businesses and service providers want to have a firm payment relations with their customers.
This is something which prepaid/gift and virtual cards do not allow.
By using such disposable cards users are putting a virtual wall between the online business and their payment source.
This is where your business can say NO to prepaid funding sources and cut down the risk of failed recurring payments and anonymous fraud cases.
BinDB's BIN databases provide a constantly updating reference for identification of all known prepaid/gift and virtual cards on the market.