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COMBO CARDS

Combo Cards Identification: Dual-Function Payment Routing

Many modern payment cards serve multiple funding sources simultaneously, operating as both credit and debit, or credit and prepaid cards depending on how the transaction is routed or authorized. Standard BIN databases often misclassify these cards, leading to routing errors and suboptimal interchange costs.

Visa Combo Cards: Supported values include CREDIT AND DEBIT and CREDIT AND PREPAID.
Mastercard Combo Cards: Supported values include CREDIT AND DEBIT.
Integration Flexibility: This parameter can be added instead of the standard card type or included as a dedicated extra parameter in your custom database build.

Real-World Examples & Comparison

See how standard BIN data differs from actual combo card capabilities:

Example 1 (Visa):
Standard Database: 415274;VISA;...;CREDIT;GOLD;BRAZIL;...
Actual Fact: CREDIT AND PREPAID
Example 2 (Visa):
Standard Database: 440771;VISA;...;CREDIT;SIGNATURE;BRAZIL;...
Actual Fact: CREDIT AND DEBIT
Example 3 (Mastercard):
Standard Database: 52626053;MASTERCARD;...;DEBIT;BUSINESS;UNITED STATES;...
Actual Fact: CREDIT AND DEBIT

Why Combo Card Data Matters for Your Clients

  • Payment Gateways & PSPs: Accurate identification allows building proper UI flows, enabling cardholders to select their preferred funding source at checkout.
  • Merchants: Avoids transaction miscoding penalties and optimizes processing fees by correctly identifying dual-function capabilities.
  • Smart Routing: Prevents processing failures caused by strict gateway validation rules that reject multi-profile cards.

Database Support and Availability

Support for Combo Card identification and multi-source mapping is available as an optional add-on for custom database builds.

Feature Capability
Visa Combo Support CREDIT AND DEBIT, CREDIT AND PREPAID.
Mastercard Combo Support CREDIT AND DEBIT.
Integration Options Available as a replacement for card type or as an additional parameter column.

This data is available at additional cost of $1300 (one-time).

For technical inquiries regarding Combo Card data mapping:

Contact Engineering Support