CreditCardFactory generates pre-paid Visa numbers

[didymusbenson]

Seeking a way to distinguish between "normal" VISA cards and "pre-paid" cards.

Current Functionality: On occasion, the generated VISA account will be a number for a pre-paid card. This may cause conflicts if a business rule deems pre-paid cards as "invalid."
Desired Functionality: When generating a VISA account, have the ability to specify pre-paid or not, or separate them into two different CardIssuer types.

[gustavofrizzo]

Hey
Do you know the rules to differentiate between a prepaid and a normal card?

[didymusbenson]

I believe it has to do with the BIN.
Reference source

PREPAID CARDS

BIN	Brand	Bank	Type	Level	Country
370266	AMEX	SERVE RELOADABLE PASS CARD	DEBIT	PREPAID	US
372741	AMEX	SERVE RELOADABLE CARD	DEBIT	PREPAID	US
375150	AMEX	BLUEBIRD BY AMERICAN EXPRESS AND WALMART	DEBIT	PREPAID	US
403995	VISA	NETSPEND ISSUED BY METABANK	DEBIT	PREPAID	US
410489	VISA	RUSHCARD ISSUED BY BANCORP BANK	DEBIT	PREPAID	US
456534	VISA	ACCOUNT NOW ISSUED BY METABANK	DEBIT	PREPAID	US
467726	VISA	NEXTWAVE ISSUED BY PEOPLES TRUST COMPANY	DEBIT	PREPAID	CA
473622	VISA	LIQUID CARD ISSUED BY JPMORGAN CHASE BANK N.A.	DEBIT	PREPAID	US
484735	VISA	VANILLA GIFT ISSUED BY THE BANCORP BANK	DEBIT	PREPAID	US
486270	VISA	HERITAGE BANK LTD	DEBIT	PREPAID	AU
530446	MASTERCARD	PCS CARD ISSUED BY PREPAID FINANCIAL SERVICES LTD	DEBIT	PREPAID	FR
531306	MASTERCARD	SKRILL CARD ISSUED BY WIRECARD CARD SOLUTIONS LTD	DEBIT	PREPAID	GB
531445	MASTERCARD	PAYONEER CARD ISSUED BY CHOICE BANK LTD	DEBIT	PREPAID	BZ
533157	MASTERCARD	EUROSET KUKURUZA BY CENTER OF FINANCIAL TECHNOLOGIES	DEBIT	PREPAID	RU
541275	MASTERCARD	OPT PLUS ISSUED BY ALL TRANS FINANCIAL SERVICES C.U.	DEBIT	PREPAID	CA
541592	MASTERCARD	NETELLER by CONISTER BANK LTD.	DEBIT	PREPAID	GB
544856	MASTERCARD	GOOGLE WALLET ISSUED BY BANCORP BANK	DEBIT	PREPAID	US
524825	MASTERCARD	WALMART MONEY CARD ISSUED BY GREEN DOT BANK	DEBIT	PREPAID	US

Virtual Cards

BIN	Brand	Bank	Type	Level	Country
375142	AMEX	TENCENT HOLDINGS TENPAY	DEBIT	VIRTUAL	CN
377149	AMEX	UNITED OVERSEAS BANK LIMITED	DEBIT	VIRTUAL	SG
410162	VISA	ENTROPAY ISSUED BY BANK OF VALLETTA	DEBIT	VIRTUAL	MT
415059	VISA	LA BANQUE POSTALE	DEBIT	VIRTUAL	FR
419973	VISA	VELOCITY ISSUED BY REV WORLDWIDE INC.	DEBIT	VIRTUAL	AU
489049	VISA	QIWI BANK (JSC)	DEBIT	VIRTUAL	RU
524877	MASTERCARD	HDFC BANK LTD.	DEBIT	VIRTUAL	IN
530343	MASTERCARD	NET1 CARD ISSUED BY BANCORP BANK	DEBIT	VIRTUAL	US
553412	MASTERCARD	HOOROO PTY LTD/GE CAPITAL	DEBIT	VIRTUAL	AU
533935	MASTERCARD	ECOCARD ISSUED BY PSI-PAY LTD.	DEBIT	VIRTUAL	GB
540302	MASTERCARD	CITIBANK N.A.	DEBIT	VIRTUAL	US
541591	MASTERCARD	NETELLER ISSUED BY OPTIMAL PAYMENTS LTD.	DEBIT	VIRTUAL	GB

GIFT CARDS

BIN	Brand	Bank	Type	Level	Country
372300	AMEX	SIMON GIFT CARD	DEBIT	GIFT	US
372301	AMEX	BANK OF CANADA	DEBIT	GIFT	CA
379019	AMEX	TRAVELERS CHECK CARD	DEBIT	GIFT	US
401366	VISA	LAKE TRUST CREDIT UNION	DEBIT	GIFT	US
431568	VISA	VANILLA ISSUED BY THE BANCORP BANK	DEBIT	GIFT	US
472926	VISA	VANILLA ISSUED BY PEOPLES TRUST COMPANY	DEBIT	GIFT	CA
511340	MASTERCARD	VANILLA ISSUED BY PEOPLES TRUST COMPANY	DEBIT	GIFT	CA
529275	MASTERCARD	THE STATE BANK CARD ISSUED BY METABANK	DEBIT	GIFT	US
544148	MASTERCARD	EPIPOLI S.P.A. PREPAID CARD	DEBIT	GIFT	IT
601194	DISCOVER	DISCOVER BANK	DEBIT	GIFT	US
601199	DISCOVER	DISCOVER BANK	DEBIT	GIFT	US

[didymusbenson]

I'd need to double-check bindb to make sure those numbers are up to date though. I'm not incredibly familiar with bins myself.