Standard BIN data often categorizes cards simply as "Debit" or "Credit." However, modern payment flows require identifying Specialty BINs to manage risk, ensure regulatory compliance, and optimize authorization rates.
Virtual cards are generated for online use without a physical counterpart. They are often used by FinTech companies (Neobanks) and for B2B accounts payable.
Category CONTAINS "VIRTUAL" OR Product_ID MATCHES known digital-only ranges.
Prepaid cards are not linked to a traditional bank account. They represent the highest risk for recurring billing and trial abuse.
| Type | Risk Profile | Recommended Action |
|---|---|---|
| Reloadable | Medium (KYC-verified) | Allow with standard risk checks. |
| Non-Reloadable / Gift | High (Anonymous) | Block for subscriptions; Require 3DS. |
Health Savings Account (HSA) and Flexible Spending Account (FSA) cards are restricted to specific Merchant Category Codes (MCC).
Operational Logic:
Category is "HSA" or "FSA", verify that Merchant_MCC is in the approved healthcare list (e.g., 8011, 5912).Transactions initiated via mobile wallets use DPANs (Device PANs). While the DPAN identifies the device, the BIN database allows you to link it back to the original funding attributes.
By integrating specialty BIN flags, merchants can reduce "False Declines," lower fraud rates, and ensure that healthcare-restricted funds are used only where permitted.
Access all specialty flags including Virtual and HSA indicators.
Review Extended Data Fields
