Comments on: BIN credit card processing – higher volumes at a lower risk http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/ Your credit card processing information source Thu, 02 Feb 2012 17:15:54 +0000 hourly 1 http://wordpress.org/?v=3.0 By: CCPrUs http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-12541 CCPrUs Tue, 19 Jul 2011 14:35:06 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-12541 Hi Tal, The billing address is the one checked for address verification with the card issuer. The shipping address (when different) is meaningless, as such was never saved on the issuer’s file… Gidi. Hi Tal,

The billing address is the one checked for address verification with the card issuer.

The shipping address (when different) is meaningless, as such was never saved on the issuer’s file…

Gidi.

]]> By: Tal Koren http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-12540 Tal Koren Tue, 19 Jul 2011 14:29:15 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-12540 Hi guys, For AVS checks, which address line is used – billing or shipping? Thanks! Tal. Hi guys,

For AVS checks, which address line is used – billing or shipping?

Thanks!

Tal.

]]> By: Marcelo http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-6260 Marcelo Thu, 11 Nov 2010 21:18:22 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-6260 BIN checking is easy! Though the associations are still not providing the info (only God knows why) plenty of BIN databases are available, some are even free! Checkout: bindatabase.net, binbase.com, mediakey.dk, bin-iin.com, bindb.com & softpedia.com Good luck! Marcelo. BIN checking is easy! Though the associations are still not providing the info (only God knows why) plenty of BIN databases are available, some are even free!

Checkout: bindatabase.net, binbase.com, mediakey.dk, bin-iin.com, bindb.com & softpedia.com

Good luck!

Marcelo.

]]> By: Rupert Loparco http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-5087 Rupert Loparco Thu, 21 Oct 2010 23:58:02 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-5087 Somehow much more complicated than it sounds (and it doesn’t sound simple)… If I got this right, you need to: set up offshore entities, open offshore merchant accounts, add BIN processing and routing capabilities into your processing flow and you’re done… Thanks, but no thanks! Somehow much more complicated than it sounds (and it doesn’t sound simple)… If I got this right, you need to: set up offshore entities, open offshore merchant accounts, add BIN processing and routing capabilities into your processing flow and you’re done… Thanks, but no thanks!

]]> By: http://www.debt--management.com/blog/credit-card-debt-management/get-the-benefit-of-the-credit-card-processing/ http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-2593 http://www.debt--management.com/blog/credit-card-debt-management/get-the-benefit-of-the-credit-card-processing/ Wed, 14 Jul 2010 10:25:46 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-2593 Just added your post to our site - Thanks! Just added your post to our site – Thanks!

]]> By: CCPrUs http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-897 CCPrUs Tue, 06 Apr 2010 15:55:44 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-897 Hi Max and good to have you back! If you relate to Visa and MC you are correct – AVS is indeed only a numeric check of the street number and postal code of a card holder, maintained by his issuing bank. That said, please note that American Express includes a card member’s name match within its AVS check and reports back mismatches, such as: “Card member's name does not match, but billing postal code matches”. One way or another most international issuers (other than USA, Canada and the UK) have major issues replying to an AVS check query, or do not support it at all. The example provided above was simplifying/illustrating a situation which might explain this lack of AVS support or situations of AVS failure/partial match. Hi Max and good to have you back!

If you relate to Visa and MC you are correct – AVS is indeed only a numeric check of the street number and postal code of a card holder, maintained by his issuing bank.

That said, please note that American Express includes a card member’s name match within its AVS check and reports back mismatches, such as: “Card member’s name does not match, but billing postal code matches”.

One way or another most international issuers (other than USA, Canada and the UK) have major issues replying to an AVS check query, or do not support it at all.

The example provided above was simplifying/illustrating a situation which might explain this lack of AVS support or situations of AVS failure/partial match.

]]> By: Max http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-880 Max Mon, 05 Apr 2010 13:16:11 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-880 Thanks, just one thing, I thought that AVS is actually numeric (street number and postal code). Am I wrong? Thanks, just one thing, I thought that AVS is actually numeric (street number and postal code). Am I wrong?

]]> By: CCPrUs http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-804 CCPrUs Sun, 28 Mar 2010 14:00:23 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-804 Acquirers do not necessarily “decide” not to work with a certain issuer – the two simply don’t find the right way to communicate with one another… Think about this example: Your US domestic acquirer performs an AVS check prior to authorizing a transaction. Some international issuers collect and maintain addresses in local language. This either totally disables or seriously disrupts any AVS check attempt, which ends with a transaction decline on virtually all the transactions sent for authorization with this international issuer. Using a local acquirer which uses better communication channels with same issuer, will not only dramatically increase the number of transactions approved, it will also bypass the cross border transaction fee that would otherwise apply. Now you have it - BIN credit card processing optimizes your credit card processing flow in more than one way… :) Acquirers do not necessarily “decide” not to work with a certain issuer – the two simply don’t find the right way to communicate with one another…

Think about this example: Your US domestic acquirer performs an AVS check prior to authorizing a transaction. Some international issuers collect and maintain addresses in local language. This either totally disables or seriously disrupts any AVS check attempt, which ends with a transaction decline on virtually all the transactions sent for authorization with this international issuer. Using a local acquirer which uses better communication channels with same issuer, will not only dramatically increase the number of transactions approved, it will also bypass the cross border transaction fee that would otherwise apply.

Now you have it – BIN credit card processing optimizes your credit card processing flow in more than one way… :)

]]> By: Max http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-796 Max Sat, 27 Mar 2010 21:24:28 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-796 Gidi Thanks for the post. I can see what you mean by checking the BIN to match the address of your shopper. It is the other part that puzzles me! Acquirers decide not to work with certain issuers? Why? Gidi Thanks for the post. I can see what you mean by checking the BIN to match the address of your shopper. It is the other part that puzzles me! Acquirers decide not to work with certain issuers? Why?

]]> By: http://greatvalueguide.com/finance/how-to-hack-rfid-enabled-credit-cards-for-8 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/2010/03/bin-credit-card-processing-higher-volumes-at-a-lower-risk/comment-page-1/#comment-791 http://greatvalueguide.com/finance/how-to-hack-rfid-enabled-credit-cards-for-8 Fri, 26 Mar 2010 17:28:20 +0000 http://www.creditcardprocessing-r-us.com/Credit_Card_Processing_Blog/?p=231#comment-791 We just linked to your post from our site - Thanks! We just linked to your post from our site – Thanks!

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