SecureTrading - Card Check

Did you know the first 6 digits of a credit or debit card number, known as the BIN Number, can tell you several interesting things that can help you in many different ways? All Payment card numbers conform to ISO 7812 and are made up of a number of parts including the BIN number which can tell you:

The card type:
e.g. Electron, Maestro, Maestro Domestic, Credit, Debit etc.
The issuing bank:
e.g. LloydsTSB, Bank of America, "la Caixa" etc.
The country the card was issued
If the card is a commercial card or not

Benefits of…

SecureTrading Card Check

Selectively Accept Cards
You may not ship to certain countries or your product/service may only be legal in certain jurisdictions (e.g. no US cards for gambling). Now you can refuse the transaction before it is settled.
Helps Prevent Fraud
Help prevent fraud by identifying if the card has been issued in a different country to the given cardholder's address. This could be a trigger to suspend the transaction for further investigation.
Helps reconcile fees
Your acquirer may charge different fees for credit, debit or commercial cards. Card Check enables you to identify exactly what cards have been processed.
Targets your marketing
Serve specific marketing messages based on the country of issue. Identify these customers at the point of sale or follow up with targeted messages.
No integration required
Accessible 24/7 via MyST. Alternatively you can integrate it directly into the transaction process for real time functionality.

The SecureTrading Card Check service is pay as you go and available via My-ST or in real time through either of our integration methods. By using the real time service you are able to set your own policies to determine the type of cards or locations from which you accept transactions.

What Next?
If you are an existing merchant why not try it today? Log-in to MyST and view one of your transactions, next to the card number you will see a "Card Check" button. Click on that and press "Lookup".

If you require further information, simply contact your Account Manager for more details on 0333 240 6000.