Identifying "virtual-only" cards at the BIN level is a complex task. Card schemes — including Visa, Mastercard, and Amex — do not specifically define dedicated BIN ranges exclusively for virtual cards.
The same BIN (including extended 10- and 11-digit ranges) can be utilized for both physical and virtual products. While individual PANs (Primary Account Numbers) are unique, the BIN prefixes often overlap, making simple prefix-based detection insufficient for high-precision systems.
In standard datasets, virtual cards can be flagged with a high degree of probability by filtering for specific Card Type and Card Category combinations:
While the heuristic filters above provide a baseline, they do not capture the full scope of virtual card issuance. BinBase has developed a proprietary identification method that goes beyond standard scheme categories.
For enterprise-grade risk engines, we offer a dedicated "Virtual Card Flag" as an add-on for custom database builds. This flag is compiled using:
Integration of the proprietary Virtual Card Flag is available for Extended License holders as a premium add-on.
This data is available at additional cost of $2900 (one-time).
Inquire Technical Pricing
