Talk:Payment card number

One World Bancorp
Information is incomplete and misformatted (placed outside of the table). I can place it in the table, but could someone please complete it, check correctness and, if necessary, remove it altogether? Thanks! Cema (talk) 17:00, 24 September 2009 (UTC)

Reason for the August 16th blanking?
Is there a reason this article was mostly blanked? I reverted it to what looks like the most complete version, but stuff might have been lost on the way. Sorry if I caused any problems —Preceding unsigned comment added by 71.121.130.218 (talk) 19:30, 19 August 2009 (UTC)

козлы —Preceding unsigned comment added by 82.209.225.77 (talk) 15:20, 10 July 2010 (UTC)

Luhn algorithm
Do any issuers not use the Luhn algorithm? If so, which? -- The Anome 03:12, 15 January 2006 (UTC)


 * I believe that the enRoute card did not have any validation algorithm. I'll look for a source.  –BozoTheScary 20:37, 30 January 2007 (UTC)

This is the LUHN algorithm in PHP: http://www.itoctopus.com/index.php?option=content&task=view&id=26&Itemid=26

Electron
Is it really true that Visa Electron cards all start with 417500? This seems unlikely and I see places on the web that seem to indicate otherwise. - mgolden

Electron Cards can start with any IIN number issued by Visa. There is no specific range, if you apply for an Issuing, Classic Credit, Gold Credit and Electron Debit at the same time, the numbers will often be consecutive. It is not possible to identify the type of card product directly from the IIN only, you need the table provided by Visa that lists what each one has been allocated for. Mumfords (talk) 14:43, 29 December 2007 (UTC)


 * Although it's over a year late, as a follow up to this, all UK Electron cards appear to start 49175
 * Control-alt-delete (talk) 14:52, 2 April 2009 (UTC)

Diners
This page: http://www.precisonline.com/ccvalidate.js.html seems to indicate that Diners can also start with 36 38 and 300-305. - mgolden July 24, 2006

The "Diners Club US & Canada[5]" overlaps with the Mastercard range, both of which are 16 digits, starting with '55'. I suspect the Diners Club is wrong (unless their cards are supplied by Mastercard?)

I believe that MasterCard bought this part of the Diners business, but that there may still be some "Diners" cards within this sequence, however operated by MasterCard. —BozoTheScary 21:35, 19 July 2007 (UTC)

Diners Club is now owned by Discover, but in the U.S. their cards are still processed as MasterCards. All U.S. Diners Club cards now have MasterCard numbers (starting with 51-55). International Diners Club cards start with 36. --Harmonj (talk) 21:35, 9 October 2008 (UTC)

credit card number dumps
what info. can Wikipedia come up with on this subject on credit cards? --Zzardzzard 02:24, 20 August 2006 (UTC) where are credit card numbers on the card? Where are credit card numbers?--Dark Kirby5 18:48, 28 January 2007 (UTC)

Switch (Debit Card)
Found out that Switch will continue to exist until mid 2007. See http://www.maestrocard.com/uk/about/switch_to_maestro.html. —The preceding unsigned comment was added by Dysanovic (talk • contribs) 16:30, 2 February 2007 (UTC).

THIS IS ALL FAKE DUMB NUTS!!!! —Preceding unsigned comment added by 64.199.28.33 (talk) 23:23, 3 March 2009 (UTC)

The article states that Maestro's direct competitor is Visa Electron but this is wrong. Maestro is not an electronic transaction only card whereas Visa Electron is. Maestro's direct competitor is Visa Debit/Delta. Solo is the direct competitor to Visa Electron.

Visa Delta and Solo are both electronic transaction only cards. This means that all transactions must be verified by a card processor before the transaction can take place. They cannot be used where this cannot happen (e.g. on old Zip-Zap machines). —Preceding unsigned comment added by 82.111.251.44 (talk) 10:30, 18 October 2007 (UTC)

Title
Why is the title of this article "Credit card number" when it also talks about debit card numbers? (Stefan2 00:20, 7 June 2007 (UTC))
 * That's a good question. Likely, part of the reason is that the debit cards use credit card conventions, like the Luhn algorithm.  There may also be some similarities in the underlying transaction systems.  Feel free to suggest a more accurate name.  —BozoTheScary 01:58, 7 June 2007 (UTC)


 * The point that you bring up is interesting, however both cards function differently, as do bank cards and other credit society card numbers. I think it would be more pertinent to merge the details with BIN as already suggested and list the different types of cards under BIN with links to the different card types.

--imag1nation (talk) 05:16, 6 December 2007 (UTC)

38
http://www.merriampark.com/anatomycc.htm#Account also lists 38 as being valid for Diners, but per the article here, 38 is not used. Can anyone clarify? Also, is there any one authority for cc numbers, or are companies simply agreeing to conform to the Luhn algorthm? Michael Hodgson 02:42, 16 August 2007 (UTC)

Electron
I have found other prefixes for electron cards in the UK.... "491880", "49173", "49174", "49175", "424519", "424962", "424963", and "459875". Are there any more? Is there a list of prefixes for Visa Purchasing and corporate cards? —Preceding unsigned comment added by 71.111.254.67 (talk) 15:50, 27 September 2007 (UTC)

There are many IIN numbers allocated to Electron Cards. The only source for the list is Visa, it is updated and provided weekly to all Visa Members. In general the list is not easily available outside the industry because of the potential for assisting fraudsters with BIN attacks. Mumfords (talk) 14:49, 29 December 2007 (UTC)

Maestro debit card numbers
Does anyone know whether MasterCard intends to standardise the format of Maestro card numbers, which currently come in at least two forms? Currently (here in UK) some have 18 digits and use a 1 or 2 digit issue number as part of the verification process. Others (mainly from the Royal Bank of Scotland Group) have a 16 digit number and use a start date as part of the verification process, though the actual verification of start dates is not as strict as with issue numbers. I'm wondering, will either of these formats become standard? And why don't they just use the same items for verification as VISA, VISA Delta, and MasterCard cards do?--PeterR (talk) 19:37, 13 December 2007 (UTC)

Meastro rules allow issuers to choose and PAN length between 13 and 19 bytes. The format of Maestro PANs in the UK were dictated by the formats used by the Switch card scheme from which the cards were derived. Switch moved from 16, 18 or 19 bytes with 1 or 2 byte issue numbers to a "Switch Card Standard" of 16 bytes PANs with no issue number. The majority of the old Switch issuers have now moved on and this is not really applicable now. — Preceding unsigned comment added by 87.74.76.49 (talk) 18:50, 11 December 2013 (UTC)

Number combinations
How long would it take before every number combination will be used up? Or it will probably never happen in the forseeable future as each banking institution can issue up to 10 billion combinations or 20 billion if a bank offers both VISA and MasterCard. Jungworld.com (talk) 02:22, 14 April 2008 (UTC)


 * Currently Visa and MasterCard support up to 19 digits, so if we disregard the first digit (4 or 5) and disregard the last digit (checksum), we still have a 17-digit range (1017) or 100,000,000,000,000,000 different combinations... That's one hundred quadrillion combinations for any card starting with a '4', plus another hundred quadrillion for any card starting with '5'. Pnnielsen (talk) 18:44, 12 December 2008 (UTC)

Why the undiscussed move?
Changing this article's name doesn't seem to make sense - Google shows me over 8 million hits for the phrase "Credit card number", only 38 thousand for "Bank card number". Please move it back to a title readers will expect. --CliffC (talk) 15:38, 1 June 2008 (UTC)


 * I think it's because of debit cards, but I'm neutral to the move. --Sydius (talk) 21:14, 24 July 2008 (UTC)

JCB range too small
I've been implementing a payment gateway, and know of some (valid) JCB numbers that begin with 34 and 36. Other scripts on the Internet simply check for a prefix of 3 after excluding the possibility of it being one of the other brands that begin with 3. I don't know what to do about it, so I didn't modify the article, as I cannot find any sources of reliable information describing the identification numbers used by JCB. --Sydius (talk) 21:12, 24 July 2008 (UTC)

I have received verbal confirmation from JCB USA Merchant Services that the JCB range stated in Discover's latest IIN information release (352800 – 358999) is correct and the *only* range in use. 69.159.230.251 (talk) 19:53, 3 September 2008 (UTC)

Discover 644x range
Is for prepaid/gift Discover cards. Apparently these can have an issue with AVS because the address on file is that of the person who _gave_ the gift card unless the holder logs in to update it.

I found out about this while trying to research China UnionPay characteristics. It also appears that 1800 and 2131 for JCB are obsolete, and there may be a new range in the 3x area which I'm trying to get confirmation and a published source for. 69.159.230.251 (talk) 01:27, 3 September 2008 (UTC)

China Union Pay conflict
622126-622925 is listed for both China Union Pay and Discover Card, with a source for the Discover Card range but not for the China Union Pay. This seems contradictory, but perhaps China Union Pay can be processed as a Discover Card in some (all?) parts of the world? That is purely a guess. It would help if we had a source for China Union Pay. --Sydius (talk) 17:56, 8 September 2008 (UTC)

These numbers are in fact China Union Pay. In the United States, they are processed as Discover cards. —Preceding unsigned comment added by Harmonj (talk • contribs) 21:17, 9 October 2008 (UTC)

Emergency Question:
I found a Credit Card Test Number Site called Paypal: CCN and I used a Number to use a website called Adready, and as I said, I used a Number to acess the site, IT WORKED, that worrys me. Now I have sign up with Right Media and it said some crap about $20 Required/Site but I ignored it. I have $.17/ Click, My ad was shown 14,645 Times and Clicked 186 times. My AD CMP is $.36. The AD is USDL Ad #920. Point is, Im worried that I have to worry about the FBI and Credit Card Fruad! My question is, should I be worried it worked? PS: I have intents on useing CCN's more offten now! HELP ME!!! Before I go to Federal Prison!!!--Wikiloli (talk) 14:36, 25 September 2008 (UTC)


 * First of all, this probably isn't the best place to ask. Wikipedia isn't allowed to talk about legal advice (I'm pretty sure that extends to talk pages too). That said, I imagine most gateways would have at least a rudimentary amount of fraud prevention that would at least filter out commonly-used test numbers, so I'm surprised it worked. --Sydius (talk) 16:44, 25 September 2008 (UTC)

Foot note 7
Foot note 7 is a broken link. —Preceding unsigned comment added by 69.31.174.220 (talk) 19:46, 6 January 2009 (UTC)

Also, the coverage chart at the bottom does not match the table above. For an example, look at American Express. —Preceding unsigned comment added by 70.154.23.250 (talk) 14:46, 14 April 2009 (UTC)

Where can register a BIN number?
I want to register the first 6 digits of a debit or credit card number that is known as the Bank Identification Number (BIN), also called issuer identification number (IIN). These identify the institution that issued the card to the card holder. This number i would use it to issue a close debit card (only local - Chile). —Preceding unsigned comment added by Cgutigo (talk • contribs) 15:57, 8 October 2009 (UTC)

Barclay Prefix
Both my a few old Barclay Visa (which I've had for about 10 Years with this number) and the new one after changing the card type start with "4906 38" (also my brothers Barclay Visa card) so I'd assume this is the prefix for barclays bank plc cards.

My japanese ebank (Debit) Visa starts with 4542.

My old Barclay Mastercard starts with 54. As far as I know Barclays Bank PLC is a british credit card firm, so the assertion "Cards issued in Canada and the USA 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 US, but are treated as Diner's Club cards elsewhere." seems to be incorrect.

Ranma (talk) 12:04, 28 November 2009 (UTC)

Coverage Chart
The coverage chart is badly out-of-date and is unlikely to be reliably kept in synch with the IIN ranges table. Errors include
 * 1) the 1800 range are not in the IIN table
 * 2) the 2149 range is marked as AmEx
 * 3) the chart is missing 2 of the ranges for "CUP"
 * 4) the chart has no rows for 18 or 19 digits
 * 5) the chart contains the IIN named "RUA CARD" which is not in the table
 * 6) the chart is missing "Lasr"
 * 7) the chart is missing "DC-UP" which would be difficult to put in the chart because it overlaps with MasterCard
 * 8) the JCB range in the chart does not match the range in the table
 * 9) the DISC range in the chart is wrong
 * 10) the chart is missing "Maes", "Solo", and "Swch"
 * 11) the chart is missing "UATP", "One World Bancorp", and "MT"
 * 12) the chart is missing "Visa Electron" (which is 4 subsets of Visa)

Even if the chart were fixed, it would be unlikely to be maintained, would be wider than most people's screens, and be difficult to understand. I proposed removing the table altogether. Ccady (talk) 08:15, 9 March 2010 (UTC)

Maestro Card in 51 range
The article lists 51 as a MasterCard range. However, my Maestro card number starts with 5140 and has 10 digits. The article, however claims that such a number would belong to a MasterCard. -- 62.156.63.180 (talk) 21:44, 25 April 2012 (UTC)
 * Let me guess, you have an EC Maestro card issued by a German bank. The 10-digit "Kartennummer" printed on the front of the card is NOT the actual Maestro card number, but some random number assigned by the bank. On German Maestro cards, the actual 19-digit girocard/Maestro card number used for payments is not printed anywhere on the card (for security reasons, in order to prevent users from using the card on the internet), but only stored on the magnetic stripe and inside the chip. The number is 19 digits (in the format 672BBBBBAAAAAAAAAAL) and, for German cards, always starts 672. B is the shortened bank sort code of the issuing bank, A is the account number ("Kontonummer" on the front of the card) and L is the Luhn check digit. 93.129.197.8 (talk) 00:55, 2 September 2012 (UTC)

Visa PAN Lengths
The statement in the body of the article :-

[quote] A search on Visa's web site results in many references to card numbers being 16 digits long. However, searching for references to 13-digit cards will turn up no results.[original research?] All 13-digit account numbers have since been migrated to 16-digit account numbers. [/quote]

is totally wrong. There are today (11-12-13) 479 account ranges defined by Visa that can use 13-digit PANs. They are, slowly, being migrated to 16 digit numbers but this can and will take years. Also, as the issuers migrate, the new PANs will usually not be the old PAN with 3 digits inserted as suggested in the next paragraph. — Preceding unsigned comment added by 87.74.76.49 (talk) 18:58, 11 December 2013 (UTC)

JCB new IIN Ranges
Please see http://www.discovernetwork.com/value-added-reseller/images/Discover_IIN_Bulletin_April_2014.pdf — Preceding unsigned comment added by Ckorakidis (talk • contribs) 13:43, 18 November 2015 (UTC)

China UnionPay Luhn check
The field was changed from "no validation [citation needed]" to "Luhn algorithm" in this change without any comment:

https://en.wikipedia.org/w/index.php?title=Bank_card_number&type=revision&diff=652123121&oldid=651896074

Does someone have sources that prove this? For instance, this Chromium bug references the old version of this Wiki page which still said the numbers don't always pass the Luhn check. — Preceding unsigned comment added by 194.97.158.66 (talk) 16:21, 14 January 2016 (UTC)

IIN length description and table doesn't make sense.
The article talks about "six-digit" IIN numbers, then goes on to show a table consisting almost entirely of not-six-digit IIN ranges. So is it not six digits, or are all the table ranges wrong? These can't both be correct. --74.88.34.126 (talk) 01:00, 7 September 2016 (UTC)


 * At the time the above comment was written, the fact that IIN ranges were sometimes expressed with fewer than 6 digits was merely a matter of how to interpret such ranges. As an example, the range "300-305" means 300000 to 305999.  So setting that issue aside, we have one section which says that the IIN is 6 digits long, and the following section claiming that it's 8 digits long.  In fact, there is a transition from 6 digits to 8 digits that's taking place, and that needs to be explained.  The transition is quite a bit confusing, I think this would probably merit its own section.  Fabrickator (talk) 20:11, 13 August 2019 (UTC)


 * It's also an issue in this section under "Structure": "The leading six or eight digits (one or up to eleven digits) are the issuer identification number (IIN)". So they are both 6-8 and 1-11 digits long? How does that work? — Preceding unsigned comment added by 2A02:8388:8CBB:3100:841A:8303:7837:478E (talk) 12:11, 3 November 2023 (UTC)

Amazon Prime
Amazon Prime cards seem to be using 16-digit numbers starting in 60 and perhaps some other prefixes as well. Someone who has good sources on this should update the table accordingly. Circumspect (talk) 01:29, 18 December 2016 (UTC)

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Personal Account Reference (PAR)
Article needs to start to cover the new PAR number with a little information and a link out to at least a stub article for PAR (which should also be included on EMV page

Link to a news article about EMVco introducing PAR Google "Personal Account Reference" emv to see more details

This article is also useful

194.72.50.58 (talk) 17:14, 30 October 2017 (UTC)

Add missing Diners Club enRoute IIN ranges
Currently there is none. I looked online and found four tertiary sources mentioning that enRoute cards start with 2014 or 2149:


 * http://www.iinbase.com/
 * https://baymard.com/checkout-usability/credit-card-patterns
 * https://business.mapsofindia.com/finance/credit-cards/credit-card-number.html
 * https://binlists.com/

This match the number on the picture from enRoute's page: https://en.wikipedia.org/wiki/EnRoute_(credit_card) — Preceding unsigned comment added by Dall0oo (talk • contribs) 09:41, 16 October 2021 (UTC)