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Payment card number

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168:. The card number is primarily a card identifier and may not directly identify the bank account number(s) to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with 1115:: in which the account number is replaced with a strongly encrypted version which retains the format of the card data including non sensitive parts of the field such as first six and last four digits. This permits data field protection without changing payment IT systems and applications. A common use is for protecting card data from the point of capture in a secure reader to the payment processing host end-to-end to mitigate risk of data compromise in systems such as the Point of Sale (POS). AES-FF1 Format-Preserving Encryption is defined in NIST Specification SP800-38G. 1148: 32: 265:
regulatory and compliance teams. For this reason, some new card programmes may use a 'BIN sponsor', in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial institutions to fast-track access to market.
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On 23 July 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The main initiatives of NSPK are to create the national payment system infrastructure and to issue a national payment
936:
treated as Diners Club cards elsewhere. Diners Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective 16 October 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.
951:
While the vast majority of Visa's account ranges describe 16 digit card numbers there are still a few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 December2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa's VPay
203:(BIN). The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows: 935:
On 8 November 2004, Mastercard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as Mastercards worldwide. International cards use the 36 prefix and are treated as Mastercards in Canada and the United States, but are
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In some circumstances, the issuer identification number (IIN) or bank identification number (BIN) may not be licensed directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house
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The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's
664: 1565:[On the cancellation of the Decree of the President of the Pridnestrovian Moldavian Republic dated 22 May 2015 No. 202 "On the general conditions for the organization and functioning of the National Payment System in the Pridnestrovian Moldavian Republic"]. 939:
On 3 November 2014, Mastercard announced that they were introducing a new series of BIN ranges that begin with a "2" (222100–272099). The "2" series BINs will be processed the same as the "51–55" series BINs are today. They became active 14 October 2016.
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Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.
1129:) allows only the display of the last 5 digits. In order to comply with both PCI DSS requirements and US federal law, generally only the last four digits are provided elsewhere to allow an individual to identify the card used. 947:
Effective 1 October 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the Mastercard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network.
955:
Switch was re-branded as Maestro in mid-2007. In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules.
1563:"Об отмене Указа Президента Приднестровской Молдавской Республики от 22 мая 2015 года № 202 «Об общих условиях организации и функционирования в Приднестровской Молдавской Республике Национальной платежной системы»" 1342: 249: 1125:
dictates that only the first six and last four digits of the PAN may be printed on a receipt or displayed in cases other than where a business need requires the full PAN. US federal law (
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IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017 and PAN will continue to remain variable length, ranging from 10 to 19 digits.
172:. The card number is typically embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may also be imprinted on the back of the card. 524: 180: 1579: 1434: 272:
pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.
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EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).
1506: 1122: 1716: 1126: 1168: 1470: 96: 68: 1759: 1628: 1259: 184: 2452: 75: 49: 1949: 984: 1135:: in which an artificial account number (token) is printed, stored or transmitted in place of the true account number. 115: 82: 1590: 1959: 952:
brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen.
64: 2395: 879: 53: 1702: 1531: 1492: 1456: 2232: 2116: 1914: 1857: 1132: 1112: 280: 465: 2457: 2268: 1904: 283:. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers. 2289: 1752: 1310: 2299: 2242: 2015: 1984: 1939: 1892: 1367: 421: 400: 379: 208: 179:(BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or 2375: 2355: 2304: 1409: 648: 17: 261:
is its number of digits. Many card issuers print the entire IIN and account number on their card.
2040: 1277: 1245: 1224:"ISO/IEC 7812-1:2017 Identification cards – Identification of issuers – Part 1: Numbering system" 89: 42: 1108:, various techniques are used to prevent the dissemination of bank card numbers. These include: 2447: 2400: 1909: 2365: 2339: 2247: 2035: 1745: 1720: 885: 382: 195:
Payment card numbers are composed of 8 to 19 digits, The leading six or eight digits are the
2462: 2385: 2198: 2030: 2005: 1944: 1805: 1203: 1084: 1006: 632: 589: 572: 508: 1651: 8: 2467: 2360: 2141: 2085: 2075: 2045: 723: 540: 207:
a six or eight-digit Issuer Identification Number (IIN), the first digit of which is the
1121:: in which only some of the digits on a card are displayed or printed on receipts. The 2324: 2050: 1974: 1919: 1877: 739: 556: 2380: 2334: 2216: 2211: 2131: 2070: 1867: 1696: 1525: 1486: 1450: 1105: 707: 157: 967:
Bank card numbers issued by Canadian banks also follow a pattern for their systems:
2390: 2329: 2170: 2126: 2111: 2080: 2065: 2060: 1800: 1790: 1193: 1056: 310: 2263: 2146: 2136: 1737: 1020: 276: 1206: 1187: 164:
and other similar cards. In some situations the card number is referred to as a
2426: 2158: 1118: 897: 414: 363: 324: 222: 2441: 1887: 1847: 1822: 1169:"Announcing Major Changes to the Issuer Identification Number (IIN) Standard" 782: 438: 347: 248: 2421: 2206: 2178: 2121: 1929: 1153: 169: 145: 1678:"Diners Club International Ranges Available for Development Purposes Only" 1223: 2273: 2020: 1772: 1768: 1070: 218: 149: 2405: 2237: 2183: 1989: 1817: 1795: 1776: 1586: 1042: 1031: 995: 814: 680: 153: 1872: 1852: 1827: 1812: 1198: 844: 161: 31: 2188: 2153: 2025: 2010: 1979: 1934: 1924: 915: 766: 331: 176: 2294: 1882: 1862: 1027: 991: 605: 214:
a variable length (up to 12 digits) individual account identifier
2055: 1964: 1899: 187:, another identifier for a bank account in the United States. 2090: 1969: 1954: 481: 1683:. October 2008. Archived from the original on 6 October 2011 1397: 1395: 1393: 1391: 1389: 798: 1371: 2370: 1386: 252:
Partial IIN on a credit card (both printed and embossed)
1608:"Mastercard 2-Series BIN Implementation for Merchants" 594:
5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763
243: 1143: 1574: 1572: 728:4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 56:. Unsourced material may be challenged and removed. 1767: 275:The ISO Register of Issuer Identification Numbers 2282: 1629:"Turkey's Troy moves overseas with Discover deal" 2439: 1569: 1512:. Archived from the original on 17 February 2019 1473:. Archived from the original on 29 December 2007 1309:. American Express. January 2001. Archived from 1437:. Archived from the original on 4 December 2008 962: 1360: 1328: 1296: 1753: 1551:. 1-14.3.2 Building the MSC Selection Table. 819:506099–506198, 650002–650027, 507865–507964 268:In the United States, IINs are also used in 1631:. No. 9 November 2017. 9 November 2017 1499: 1760: 1746: 1670: 649:BORICA (Bulgarian national payment system) 454:622126–622925 (China UnionPay co-branded) 1427: 1336:"American Express Card security features" 1197: 1185: 175:The payment card number differs from the 116:Learn how and when to remove this message 247: 1507:"Barclaycard BIN Ranges and Rules - UK" 1463: 2440: 1179: 919: 903: 883: 867: 848: 832: 824: 802: 786: 770: 754: 743: 727: 711: 695: 684: 668: 652: 636: 620: 609: 593: 577: 560: 544: 528: 512: 496: 485: 469: 453: 442: 426: 404: 386: 367: 351: 335: 314: 23:Card identifier found on payment cards 1741: 1189:Internet Security Glossary, Version 2 787:4026, 417500, 4508, 4844, 4913, 4917 185:Universal Payment Identification Code 1649: 1099: 54:adding citations to reliable sources 25: 1368:"Bankcard Association of Australia" 199:(IIN) sometimes referred to as the 13: 1915:European Payments Initiative (EPI) 1589:. 21 December 2017. Archived from 1538: 1278:"What is issuing BIN sponsorship?" 985:Canadian Imperial Bank of Commerce 244:Issuer identification number (IIN) 144:, is the card identifier found on 14: 2479: 1905:Electronic Payment Services (EPS) 1435:"Mastercard Diners Club Alliance" 1403:"February 2017 Compliance Update" 1546:"Nets Technical Reference Guide" 1471:"Diners Club - Fraud Management" 1146: 497:353, 356 (RuPay-JCB co-branded) 30: 1709: 1643: 1621: 1600: 1555: 41:needs additional citations for 2396:Personal identification number 1270: 1252: 1238: 1216: 1161: 230: 1: 1139: 2233:Card not present transaction 2117:Credit card balance transfer 1113:Format-preserving encryption 963:Canadian bank card numbering 281:American Bankers Association 197:issuer identification number 190: 183:code). It also differs from 7: 2453:Financial routing standards 424:United States & Canada 10: 2484: 1650:Elçiboğa, Ibrahim Kudret. 413: 201:bank identification number 15: 2414: 2348: 2317: 2256: 2243:Controlled payment number 2225: 2197: 2169: 2099: 1998: 1838: 1783: 1701:: CS1 maint: unfit URL ( 1530:: CS1 maint: unfit URL ( 1491:: CS1 maint: unfit URL ( 1455:: CS1 maint: unfit URL ( 1192:. Network Working Group. 1186:R. Shirey (August 2007). 896: 878: 857: 744:65 (Discover co-branded) 738: 679: 604: 480: 437: 401:Diners Club International 323: 209:major industry identifier 2376:Hardware security module 2356:Automated teller machine 2142:Current/checking account 1304:"Card Security Features" 177:Business Identifier Code 18:Permanent account number 16:Not to be confused with 1226:. ISO.org. January 2017 621:4571 (Visa co-branded) 561:6304, 6706, 6771, 6709 2401:Secure cryptoprocessor 1104:To reduce the risk of 253: 134:primary account number 2366:Credit card imprinter 2340:Credit card hijacking 1260:"ISO/IEC 7812-1:2006" 1246:"ISO/IEC 7812-1:2017" 987:Advantage Debit Card 578:6759, 676770, 676774 251: 221:calculated using the 65:"Payment card number" 2386:Magnetic stripe card 1656:Fraud and Chargeback 1085:Conexus Credit Union 1007:Royal Bank of Canada 486:60, 65, 81, 82, 508 336:5610, 560221–560225 50:improve this article 2361:Contactless payment 2107:Payment card number 1717:"Switch to Maestro" 130:payment card number 2458:Financial metadata 2325:Card security code 2283:Interbank networks 1920:Forbrugsforeningen 1652:"TROY Bin Listesi" 1580:"Mastercard Rules" 904:50, 56, 58, 60–63 470:60400100–60420099 443:6011, 644-649, 65 279:is managed by the 254: 158:stored-value cards 2435: 2434: 2381:Interbank network 2335:Credit card fraud 2313: 2312: 2217:Universal default 2212:Introductory rate 2132:Revolving account 1615:www.mastercard.us 1415:on 22 August 2017 1106:credit card fraud 1100:Security measures 1097: 1096: 933: 932: 688:Yes (since 2017) 665:NPS Pridnestrovie 126: 125: 118: 100: 2475: 2391:Payment terminal 2330:Chargeback fraud 2280: 2279: 2127:Installment loan 2112:Card association 2061:Rail Travel Card 1791:American Express 1762: 1755: 1748: 1739: 1738: 1733: 1732: 1730: 1728: 1723:on 8 August 2010 1719:. Archived from 1713: 1707: 1706: 1700: 1692: 1690: 1688: 1682: 1674: 1668: 1667: 1665: 1663: 1647: 1641: 1640: 1638: 1636: 1625: 1619: 1618: 1612: 1604: 1598: 1597: 1595: 1584: 1576: 1567: 1566: 1559: 1553: 1552: 1550: 1542: 1536: 1535: 1529: 1521: 1519: 1517: 1511: 1503: 1497: 1496: 1490: 1482: 1480: 1478: 1467: 1461: 1460: 1454: 1446: 1444: 1442: 1431: 1425: 1424: 1422: 1420: 1414: 1408:. Archived from 1407: 1399: 1384: 1383: 1381: 1379: 1370:. Archived from 1364: 1358: 1357: 1355: 1353: 1347: 1341:. 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1504: 1500: 1484: 1483: 1476: 1474: 1469: 1468: 1464: 1448: 1447: 1440: 1438: 1433: 1432: 1428: 1418: 1416: 1412: 1405: 1401: 1400: 1387: 1377: 1375: 1374:on 6 April 2006 1366: 1365: 1361: 1351: 1349: 1345: 1338: 1334: 1333: 1329: 1319: 1317: 1316:on 5 March 2006 1313: 1306: 1302: 1301: 1297: 1287: 1285: 1284:. 29 March 2021 1276: 1275: 1271: 1258: 1257: 1253: 1244: 1243: 1239: 1229: 1227: 1222: 1221: 1217: 1184: 1180: 1167: 1166: 1162: 1152: 1147: 1145: 1142: 1102: 1021:TD Canada Trust 965: 405:30, 36, 38, 39 246: 241: 240: 235: 231: 193: 140:), or simply a 122: 111: 105: 102: 59: 57: 47: 35: 24: 21: 12: 11: 5: 2481: 2471: 2470: 2465: 2460: 2455: 2450: 2433: 2432: 2430: 2429: 2427:Acquiring bank 2424: 2418: 2416: 2412: 2411: 2409: 2408: 2403: 2398: 2393: 2388: 2383: 2378: 2373: 2368: 2363: 2358: 2352: 2350: 2346: 2345: 2343: 2342: 2337: 2332: 2327: 2321: 2319: 2315: 2314: 2311: 2310: 2308: 2307: 2302: 2297: 2292: 2286: 2284: 2277: 2276: 2271: 2266: 2260: 2258: 2254: 2253: 2251: 2250: 2245: 2240: 2235: 2229: 2227: 2223: 2222: 2220: 2219: 2214: 2209: 2203: 2201: 2195: 2194: 2192: 2191: 2186: 2181: 2175: 2173: 2167: 2166: 2164: 2163: 2162: 2161: 2151: 2150: 2149: 2144: 2134: 2129: 2124: 2119: 2114: 2109: 2103: 2101: 2097: 2096: 2094: 2093: 2088: 2083: 2078: 2073: 2068: 2063: 2058: 2053: 2048: 2043: 2038: 2033: 2028: 2023: 2018: 2013: 2008: 2002: 2000: 1996: 1995: 1993: 1992: 1987: 1982: 1977: 1972: 1967: 1962: 1957: 1952: 1947: 1942: 1937: 1932: 1927: 1922: 1917: 1912: 1907: 1902: 1897: 1896: 1895: 1885: 1880: 1875: 1870: 1865: 1860: 1855: 1850: 1844: 1842: 1836: 1835: 1833: 1832: 1831: 1830: 1825: 1820: 1810: 1809: 1808: 1803: 1793: 1787: 1785: 1781: 1780: 1765: 1764: 1757: 1750: 1742: 1735: 1734: 1708: 1669: 1642: 1620: 1599: 1568: 1554: 1537: 1498: 1462: 1426: 1385: 1359: 1327: 1295: 1269: 1251: 1237: 1215: 1212:Informational. 1178: 1159: 1158: 1157: 1141: 1138: 1137: 1136: 1130: 1119:PAN truncation 1116: 1101: 1098: 1095: 1094: 1091: 1088: 1081: 1080: 1077: 1074: 1067: 1066: 1063: 1060: 1053: 1052: 1049: 1046: 1039: 1038: 1035: 1024: 1017: 1016: 1013: 1010: 1003: 1002: 999: 988: 981: 980: 977: 974: 964: 961: 931: 930: 927: 924: 921: 918: 912: 911: 908: 905: 901: 900: 898:Luhn algorithm 895: 892: 889: 882: 876: 875: 872: 869: 866: 860: 859: 856: 853: 850: 847: 841: 840: 837: 834: 831: 827: 826: 823: 820: 817: 811: 810: 807: 804: 801: 795: 794: 791: 788: 785: 779: 778: 775: 772: 769: 763: 762: 759: 756: 752: 751: 748: 745: 742: 736: 735: 732: 729: 726: 720: 719: 716: 713: 710: 704: 703: 700: 697: 693: 692: 689: 686: 683: 677: 676: 673: 670: 667: 661: 660: 657: 654: 651: 645: 644: 641: 638: 635: 629: 628: 625: 622: 618: 617: 614: 611: 608: 602: 601: 598: 595: 592: 586: 585: 582: 579: 576: 569: 568: 565: 562: 559: 553: 552: 549: 546: 543: 537: 536: 533: 530: 527: 521: 520: 517: 514: 511: 505: 504: 501: 498: 494: 493: 490: 487: 484: 478: 477: 474: 471: 468: 462: 461: 458: 455: 451: 450: 447: 444: 441: 435: 434: 431: 428: 425: 418: 417: 415:Luhn algorithm 412: 409: 406: 403: 397: 396: 395:No Validation 393: 390: 387: 385: 376: 375: 372: 369: 366: 364:China UnionPay 360: 359: 356: 353: 350: 344: 343: 340: 337: 334: 328: 327: 325:Luhn algorithm 322: 319: 316: 313: 307: 306: 303: 300: 297: 294: 245: 242: 239: 238: 228: 227: 226: 225: 223:Luhn algorithm 215: 212: 192: 189: 124: 123: 106:September 2022 38: 36: 29: 22: 9: 6: 4: 3: 2: 2480: 2469: 2466: 2464: 2461: 2459: 2456: 2454: 2451: 2449: 2448:Payment cards 2446: 2445: 2443: 2428: 2425: 2423: 2420: 2419: 2417: 2413: 2407: 2404: 2402: 2399: 2397: 2394: 2392: 2389: 2387: 2384: 2382: 2379: 2377: 2374: 2372: 2369: 2367: 2364: 2362: 2359: 2357: 2354: 2353: 2351: 2347: 2341: 2338: 2336: 2333: 2331: 2328: 2326: 2323: 2322: 2320: 2316: 2306: 2303: 2301: 2298: 2296: 2293: 2291: 2288: 2287: 2285: 2281: 2275: 2272: 2270: 2267: 2265: 2262: 2261: 2259: 2255: 2249: 2246: 2244: 2241: 2239: 2236: 2234: 2231: 2230: 2228: 2224: 2218: 2215: 2213: 2210: 2208: 2205: 2204: 2202: 2200: 2196: 2190: 2187: 2185: 2182: 2180: 2177: 2176: 2174: 2172: 2168: 2160: 2157: 2156: 2155: 2152: 2148: 2145: 2143: 2140: 2139: 2138: 2135: 2133: 2130: 2128: 2125: 2123: 2120: 2118: 2115: 2113: 2110: 2108: 2105: 2104: 2102: 2098: 2092: 2089: 2087: 2084: 2082: 2079: 2077: 2074: 2072: 2069: 2067: 2064: 2062: 2059: 2057: 2054: 2052: 2049: 2047: 2044: 2042: 2039: 2037: 2034: 2032: 2029: 2027: 2024: 2022: 2019: 2017: 2016:Carte Blanche 2014: 2012: 2009: 2007: 2004: 2003: 2001: 1999:Defunct cards 1997: 1991: 1988: 1986: 1983: 1981: 1978: 1976: 1973: 1971: 1968: 1966: 1963: 1961: 1958: 1956: 1953: 1951: 1948: 1946: 1943: 1941: 1938: 1936: 1933: 1931: 1928: 1926: 1923: 1921: 1918: 1916: 1913: 1911: 1908: 1906: 1903: 1901: 1898: 1894: 1891: 1890: 1889: 1886: 1884: 1881: 1879: 1876: 1874: 1871: 1869: 1866: 1864: 1861: 1859: 1856: 1854: 1851: 1849: 1846: 1845: 1843: 1837: 1829: 1826: 1824: 1821: 1819: 1816: 1815: 1814: 1811: 1807: 1804: 1802: 1799: 1798: 1797: 1794: 1792: 1789: 1788: 1786: 1782: 1778: 1774: 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