Prepaid cards (gift cards, payroll cards, and virtual wallets) require specific handling in risk management systems due to their anonymous nature and limited balance. BinBase provides granular classification to distinguish between different prepaid instruments.
Cards linked to a persistent account that can be topped up. These are often used for payroll or government benefits and may have more robust KYC (Know Your Customer) data associated with them.
Classic gift cards with a fixed balance. Often anonymous and highly volatile, representing a higher risk for card-not-present (CNP) transactions and trial abuse.
In our database, the 5th parameter (Category) provides the specific sub-type of the prepaid instrument. This allows for automated logic in payment gateways:
| Scenario | Technical Application |
|---|---|
| Trial Abuse Prevention | Blocking Non-Reloadable BINs for subscription-based services to prevent "dead" accounts. |
| KYC / AML | Applying enhanced due diligence (EDD) to transactions originating from high-risk prepaid ranges. |
| Payout Routing | Verifying if a BIN supports "Original Credit Transactions" (OCT) for payouts to reloadable cards. |
Granular prepaid classification is part of our Standard and Extended licensing tiers.
Review Database Specifications
