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How to Correctly Detect Credit Card Type

creditcardjs.com

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Re: How to Correctly Detect Credit Card Type

#61

Post by bowyakka »

nly wrote: post #53
Theodores wrote: post #45

Earlier quoted context omitted.

In the UK it is quite common to not accept AMEX and other cards such as whatever 'Maestro' is. Therefore you do have to show what you do accept so people know to use a sensible-to-the-retailer card.

Maestro used to be Switch. They were popular at one time for under 18 year olds for some reason. AMEX is really seen as a premium option here in the UK, for travellers and those with rich blood.

Maestro is in effect a card network, the under 18 popularity stemmed from having a line of cards that were low transactionality, it was the first issuer in the UK to really give cards to under 18's.

Re: How to Correctly Detect Credit Card Type

#63

Post by xur17 »

ry0ohki wrote: post #3
steven2012 wrote: post #2

Why does it even matter if you show the credit card type when the user is typing it in? If the first 6 numbers determine the card type, then handling card type can be done on the backend. Why make the effort to show users information that they already know, ie. card type?

I'd say in part because you want to give people a UX they are comfortable with. Sites for years have been asking for "Card type", and so a user may suspect something is wrong if they don't need to enter it and show no indication you know what it is.

I've seen sites (can't remember which ones off the top of my head) that do autodetect your credit card type while typing it in. I wasn't phased by it.

Re: How to Correctly Detect Credit Card Type

#64

Post by eduardordm »

nandemo wrote: post #56
eduardordm wrote: post #16

Hi, my credit card company is not listed there, yet it exists: my IIN is 6371. I'm afraid this is not completely accurate at all. There are many credit card IINs and those are just a very few and will not work with some international cards (including international visa cards). Those numbers are issued by the American Bankers Association - in accordance to ISO 7812. They are not attached to a credit card flag, but to…

I suppose the idea is to determine the so called "card scheme" (Visa, Master, etc), not necessarily the IIN. E.g. for some payment processors, the merchant service charges are different according to the card scheme (it does't depend on the issuer). I undertand this is a simplification and it might not work for cards that don't belong to major networks, but it's good enough for a lot of businesses. For example, if I h…

Oi!!

The general idea is this: IIN is issued to visa branches around the world each branch can only have one IIN. Problem is, visa is not the only issuer of visa cards. Many banks and financial institutions can also issue in lieu of visa and have their own IINs as they please. My visa credit card starts with 2 because it was issued by an airline under a mileage program. I never had problem using it online but most websites won't show the correct card type.

Merchants are not charged according to a card type, the charges applied to merchants have nothing to do with visa. Visa is only doing processing service for a bank. Banks are the ones who charges merchants and pay visa a percentage of the fee the bank charges you. Because banks can't handle the volume of merchants, they usually have gateways or other companies to do that for them.

My company also issue visa cards and we use the same IIN: 6371.

Re: How to Correctly Detect Credit Card Type

#66

Post by 1morewebdev »

eduardordm wrote: post #16

Hi, my credit card company is not listed there, yet it exists: my IIN is 6371. I'm afraid this is not completely accurate at all. There are many credit card IINs and those are just a very few and will not work with some international cards (including international visa cards). Those numbers are issued by the American Bankers Association - in accordance to ISO 7812. They are not attached to a credit card flag, but to…

Is that someone's real data or just some example data? You don't want it to be misused / abused.

Re: How to Correctly Detect Credit Card Type

#67

Post by nandemo »

eduardordm wrote: post #64
nandemo wrote: post #56

Earlier quoted context omitted.

I suppose the idea is to determine the so called "card scheme" (Visa, Master, etc), not necessarily the IIN. E.g. for some payment processors, the merchant service charges are different according to the card scheme (it does't depend on the issuer). I undertand this is a simplification and it might not work for cards that don't belong to major networks, but it's good enough for a lot of businesses. For example, if I h…

Oi!! The general idea is this: IIN is issued to visa branches around the world each branch can only have one IIN. Problem is, visa is not the only issuer of visa cards. Many banks and financial institutions can also issue in lieu of visa and have their own IINs as they please. My visa credit card starts with 2 because it was issued by an airline under a mileage program. I never had problem using it online but most we…

Thank you for the clarification. However, my point is that some gateways do charge according to the card type.
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