Перегляд вихідного коду сторінки Why You Should Have Access to a BINbase

A BINbase is a Bank Identification Number database. It’s a list of credit, debit and bank card numbers—the first part of the number—that has been gathered from merchants and other sources. The Bank Identification Number is the first six digits of a credit card number and it reveals details about the type of card, the country of issue and the bank that issued that card. Businesses use BINbasesoftware to detect possible cases of credit card fraud before they process the transaction.


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If you sell goods or services and accept bank cards as payment, especially if you do so over the Internet, then you should consider the protections and benefits which a BINbase checker could give you. While most consumers are protected from the effects of credit card theft, merchants are not. If someone pays you using a forged or stolen credit card, you’ll end up taking the loss when the credit card company does a chargeback, refusing to pay you. Although you may not be able to prevent chargebacks completely, you can see a significant reduction in them by crosschecking the available information on credit card numbers.


When you do a BINbase search, you will be told, first of all, if the bank card number is real and active. You’ll be given details about the type of card it is—Visa, American Express, Discover, et cetera—and the subtype, which includes things like personal versus business and gold versus platinum. You may able to discover the limit on the card, which is important if the charges being made run into the thousands of dollars. If any of this information doesn’t line up with the information given you by the customer, then  you can deny the purchase before it’s made. Some cards are also [http://istoriya.soippo.edu.ua/index.php?title=Why_You_Should_Have_Access_to_a_BINbase Why You Should Have Access to a BINbase] signature only or ATM use only, which means that you shouldn’t accept online charges on them.



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Perhaps you’ve had bad experiences with prepaid or gift cards before. An extensive BINbase list will include prepaid cards on it and allow you to exclude them automatically. Debit and credit are also differentiated, while the right BINbase software will alert you to cards that will cost you more, such as business cards or those issued in other countries, so that you can add an extra fee to compensate.


One of the primary red flags often associated with credit card numbers which have been stolen and sold is that they pop up in countries quite different from the issuing country. For instance, you might discover that a Canadian card is being used to ship goods to somewhere in North Africa. In that case you can contact the bank—since BINbase data includes specific banks and contact information—to request they verify the purchase before you put it through.


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Thieves and frauds continue to grow more clever in the means they use to cheat and defraud. It stands to reason that you must continue to find ways to protect yourself against them.  A BINbase is just one more tool in this ongoing battle for the financial safety of your business.