Debit - Check Card Prefix List
Merchants that accept credit cards for E-Commerce and Retail applications need to understand the problems they can cause with authorizations made on Debit (Visa/MC Branded) Bank Cards.
Unlike a “normal” Non-Debit, “Credit Card”, an Authorization on a Debit Card ties up the funds in the Card Holder’s bank account for as long as 96 hours.
This can cause Merchants lots of headaches when customers that have used a Debit Card want to cancel an order they just placed, and they think you have charged them when it is actually only a pending authorization.
Learn that the easiest way to explain this to customers is to be very direct … “I’m sorry for the inconvenience. When you purchase with your Bank Checking Card, the Bank holds those funds as unavailable for up to 96 hours while they wait on the merchant to close the batch and capture the sale.”
IF your Merchant Processing Bank will call the customer’s bank, in some cases they can drop the authorization and free up the customer’s funds, but in most cases they will have to wait for nature to take it’s course.
Authorizing a Debit Card TWICE will get most Customers angry enought to throw a rock through your shopping cart, so make sure you are CAREFUL when dealing with Debit Cards.
Here is a non-complete list containing the prefixes of some Debit Cards you might encounter. Print the list for referencee.
Have a question? Call Bob Bryant at 323-482-1251 for honest/no nonsense answers about Merchant Services and Accepting Credit Cards .
All my readers qualify for our Retail and ECommerce Association Rates - more info at:
http://www.interchangepricing.com
This is a response to the discussion regarding debit/checking card authorizations tying up customer bank accounts.
CARD PREFIXES
112956 - Room access card, Fairfield Inn (Marriott)
2000 : The Source by Circuit City - credit card (issued by VFC)
260413 - The Sharper Image gift card
356210 - HSBC Hong Kong issued JCB
3712 - Platinum Cash Rebate from American Express (Credit Card, grandfathered) (US)
3713 - JetBlue from American Express Credit Card (US)& Blue For Students American Express
3717 - American Express Charge Card (US)
3723 - American Express Credit Card (US)
3725 - American Express Credit Card
3727 - American Express Credit Card
3728 - American Express Credit Card
3732 : American Express Canada
3733 - American Express Charge Card (Canada in CAD)
3735 : American Express Canada
3742 - American Express Charge Card (UK in GBP)
3743 - American Express Charge Card (UK in Euros)
374388 - American Express ICC Centurion Charge Card (UK in Euros)
3745 - American Express Charge Card (UK in USD)
374588 - American Express ICC Centurion Charge Card (UK in USD)
374630 - American Express card issued by MBNA
3749 - American Express Charge Card (France)
3750 - American Express Charge Card (Germany)
375082 - American Express Platinum Charge Card (Germany)
3758 - American Express Charge Card (Switzerland)
3760 - American Express Card (Australia)
3770 - American Express Credit Card (South Africa)
3778 - American Express Credit Card (New Zealand)
3790 - American Express Travellers Cheque Card (UK)
3791 - American Express BA Credit Card (UK)
3794 - American Express Corporate Charge Card
400610 - META Bank, (Rewards 660 Visa) Credit Limit Between $200 & $2000
4060 - Bank One (Chase) Debit Card
4063 - Guangdong Development Bank (China) VISA Credit Card
4097 - Bank Mandiri (Indonesia) Visa Debit Card
410636 - Columbus Bank & Trust Company, (Aspire Visa Gold Card)
4112 - Lloyds TSB Visa Credit Card
4117 - Bank of America (formerly Fleet) VISA Debit Card
4121 - Pennsylvania State Employees Credit Union (PSECU) Credit Card
4143 - Capital One Visa
4159 - Sovereign Bank Visa Debit Card
4170 - Bank of America (Formerly Fleet) Business Visa Card
4190 - U.S. Bank WorldPerks VISA Credit Card
4213 - China Minsheng Banking Corporation VISA Debit Card
4217 - Bank of America VISA Debit Card
4218 - China Minsheng Banking Corporation VISA Credit Card
4254 - Washington Mutual (formerly Fleet) VISA Debit Card
4256 - Bank of America GM Visa Check Card
4264 - MBNA Platinum Visa Credit Card
4266 - Bank1One (Chase) Visa Credit Card
4305 - Bank of America (formerly Fleet) Visa Credit Card
4313 - MBNA Preferred Visa & Visa Signature Credit Cards
431732 - Plains Commerce, (Total Visa), Small Credit Limit, Credit Repair Card
435688 - Bank of America, Visa, Platinum Check Card, Debit
435760 - Compass Bank, Visa, Business Check Card, Debit
435760 - Compass Bank, Visa, Personal Check Card, Debit
4366 - Chase
4392 - China Merchants Bank Visa Credit Card
4408 - Chase (AARP)
4432 - US Bank
4492 - Vista Federal Credit Union (Walt Disney World) Visa Debit Card
449352 - Nationwide Building Society Visa
449533 - Bank Of America, National Association - Classic, Debit, Visa
4500 - Canadian Imperial Bank of Commerce (CIBC) Visa & MBNA Quantum Visa Credit Cards
4500 : CIBC Premium Visa cards ($5000+ limit)
4500-050 : CIBC Bizline Visa
4500-60 - CIBC Aerogold (VISA credit card)
4501 - CIBC VISA
4502 - CIBC VISA
4503 - CIBC VISA
4504 - CIBC VISA
4505 - CIBC VISA
4506 : CIBC - debit card
4510 - Royal Bank of Canada VISA
4512 : Royal Bank Visa - gold & platinum cards except Avion
4514 : Royal Bank Visa - low rate, Avion, Starbucks
4515 : Royal Bank Visa - low rate, Avion, US dollar (?)
4516 : Royal Bank Visa - business cards, Avion
4519 - Royal Bank of Canada Debit Card
4538 - Scotiabank VISA
454313 - Nationwide Building Society Visa Debit Card
454434 - First Trust Bank Visa Debit Card
454605 - Citibank VISA
4551 - TD Canada Trust VISA
455701 - National Australia Bank VISA Credit Card
455702 - National Australia Bank VISA Credit Card
456462 - ANZ Bank VISA Credit Card
4565 - ABSA VISA
462785 - Egg plc VISA
4600 - ABSA VISA
4640 - Bank One (now J.P. Morgan Chase & Co.) Amazon.com VISA Credit Card
4715 - Wachovia VISA
4744 - Bank of America Visa Debit
4760 - Bank Niaga (Indonesia) Visa Debit Card
479293 - Abbey International Visa Debit Card
479213 - TD Banknorth Visa Debit Card
4800 - MBNA Gold Visa Credit Card
4828 - Wachovia Bank Visa Debit Card
482870 - Wachovia Bank Visa Debit Card
4862 - Capital One Visa Credit Card
4888 - Bank of America Visa Credit Card
490847 - Parex Bank Visa Credit Card
4920 - Luottokunta issued VISA
496604 - HSBC Hong Kong issued Visa
492940 - Barclaycard VISA Credit Card
504507 - Barnes & Noble gift card
5113 - JPMorgan Chase Bank Mastercard Debit Card
512607 - Continental Finance, M/C, $300 limit card
5140 - TiVo MasterCard Credit Card
5141 - Banco Popular North America Mastercard Debit Card
516319 - Virgin MasterCard Credit Card
5176 - China Minsheng Banking Corporation MasterCard Credit Card
5179 : GE Money MasterCard
5181 - PC Financial MasterCard Credit Card
5187 - China Merchants Bank MasterCard Credit Card
5191 - Bank of Montreal MasterCard
5200 - MBNA Quantum MasterCard Credit Card
5221 - MasterCard Credit Cards in South Africa
522276 - Chase Manhattan Bank MasterCard Credit Card
5243 : HBC - MasterCard
5262 - Citibank MasterCard Debit Card
5264 - Bank Negara Indonesia MasterCard Debit Card
529930 - Marks & Spencer Money MasterCard Credit Card
5316 : CUETS MasterCard
5329 - MBNA Preferred MasterCard Credit Card
532902 - Wachovia Bank MasterCard Credit Card
535316 - Commonwealth Bank MasterCard Credit Card
535318 - Commonwealth Bank MasterCard Credit Card
5407 - HSBC Bank GM Card
543122 - HSBC Hong Kong issued Mastercard
5424 - Citibank MasterCard Credit Card (Dividend, Diamond and others)
5434 - MasterCard credit cards from UK banks
544156 - AIB Gold MasterCard Credit Card
5446 - Canadian Tire MasterCard Credit Card
5452 - MBNA Canada Mastercard
5457 : Capital One Canada secured & gold
5466 - MBNA & Chase World MasterCard Credit Cards
548955 - HOUSEHOLD BANK (NEVADA), N.A, (Orchard Bank M/C, HSBC Card Services)
5490 - MBNA & Chase Platinum MasterCard Credit Cards
5491 : MBNA Canada - Platinum Plus
5491 : Capital One Canada Platinum
558158 - Paypal MasterCard Credit Card, Chase Bank, Formerly Bank One
587781 - Bank of America ATM Card
589297 - TD Canada Trust Debit Card
6002 : HBC - credit card
600649 - Lowe’s Home Improvement Center gift card (also Radio Shack)
601056 - ValueLink stored value card (Starbucks, Borders Books, et. al.)
6011 - Discover Bank Discover Card Credit Card
602700 - Wichita State University “Shocker Card” [2] (a stored value card)
6035 - Citibank (Home Depot) Card
603753 - McDonald’s Gift Card (serviced by ValueLink)
622126 - 622925 China UnionPay Card
627397 - Wild Oats Gift Card
63191 - British Home Stores - Bhs credit card
63354099000 - Argos Card
6725/6726 - Maestro debit cards (Germany)
6759 - Maestro (formerly Switch) debit cards, followed by the two digits of the bank’s assigned sorting code prefix.
6767 - Solo, a sister debit card to Switch.
