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bin for beginner

This guide introduces newcomers to the concept of Bank Identification Numbers (BINs) in the carding scene, explaining their significance and how they can affect transaction success. It covers the basics of BINs, their evolution from 6 to 8 digits, and how merchants utilize BIN data for authorization rates and transaction restrictions. The guide emphasizes the importance of creating a personalized BIN list based on individual experiences to enhance carding efficiency and success.

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317 views7 pages

bin for beginner

This guide introduces newcomers to the concept of Bank Identification Numbers (BINs) in the carding scene, explaining their significance and how they can affect transaction success. It covers the basics of BINs, their evolution from 6 to 8 digits, and how merchants utilize BIN data for authorization rates and transaction restrictions. The guide emphasizes the importance of creating a personalized BIN list based on individual experiences to enhance carding efficiency and success.

Uploaded by

saimnaeem9020
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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For Absolute Beginners: All about BINs

Welcome to the world of BINs, newcomers. This guide is our


response to the flood of messages that weve been receive from
newcomers in the carding scene. If you're a noob and you're
scratching your head wondering what in the hell a BIN is or why
everyone keeps yapping about them, then you're in the right place.
If you're no longer new then this guide is useless to you, so go off
somewhere.

Lets face it diving into carding without understanding what BINs


are is like trying to swim before you know what water is. Youll
splash around, maybe even move a bit but eventually youll sink.
Thats why were breaking it down piece by piece in language even
your technologically challenged grandmother could understand.

In this guide, well cover everything from the basics of what a BIN is
to why some seem to work better than others and even touch on
how merchants view these mysterious number sequences. So, grab a
drink, get comfortable,and prepare to have your mind enlightened.
By the time were done, youll be speaking BIN like a native. Lets
jump right in.

What are BINs?


BIN stands for Bank Identification Number but do not get confused
by the name; it was never only about banks. Think of it as the DNA
of a card. These are the first six to eight digits of every card number
and contain quite a trove of information, which can decide your
success.

Heres what those magic numbers can tell you:


1. The card issuer: Whether its Chase, Bank of America, or some
obscure credit union in Nebraska.
2. Card type: Credit, debit, or prepaid, or charge, etc.
3. Card level: Is it a basic card or a fancy-pants platinum? This can
affect spending limits and fraud checks.
4. Country of origin: The billing/issuing country.

Now, heres where it gets interesting for us carders. That first digit?
Its called the Major Industry Identifier (MII). Each card network uses
its own MII, which can be a goldmine for us. Heres a quick rundown:
0: ISO/TC 68 and other industry assignments
1: Airlines
2: Airlines, financial, and other future industry assignments
3: Travel and Entertainment (think Amex)
4: Banking and Financial (hello, Visa)
5: Banking and Financial (Mastercard territory)
6: Merchandising and Banking
7: Petroleum
8: Telecommunications and other industry assignments
9: National assignment
Knowing these MIIs can help you tailor your approach. For example,
Amex cards (starting with 3) often have higher limits but stricter
security. Visa (4) and Mastercard (5) are more common and might fly
under the radar easier.

But heres the thing: BINs are changing. Years ago, BINs were only
the first 6 digits. Now, due to the exploding number of card issuers
and products, many are moving to 8-digit BINs. This shift can cause
some serious headaches for carders.
How so? Because this change affects everything from fraud
detection systems to payment gateways. Some outdated systems
might still be looking at only the first 6 digits, while others have
adapted to the new 8-digit standard. This inconsistency creates
a gray area that savvy carders can exploit - or get tripped up by if
theyre not careful.

For instance, you may buy a "US card" from a CC shop, only to be
rejected by the merchant with the rationale that it is an
"international card". This abnormality occurs since some systems
have not yet been adjusted to the new 8-digit standard. They may
read just the first 6 numbers, which lead to a misidentification. Or it
could be the opposite: that the merchant is updated and the shop
you're buying from is not.

Understanding this BIN evolution is crucial. It explains why some


cards behave unexpectedly and can help you troubleshoot failed
transactions. More importantly, it can help you choose the right
cards for specific merchants and stores, increasing your success
rate.

How Does a Merchant See BINs?


Now, let's see from under the curtain how merchants look at BINs. It
is not just a bunch of random numbers; it's a mine of information
that might be either your ticket or your poison to carding.
High-quality BIN data is provided to merchants through payment
service providers or specialized BIN databases. These are not any
crap Excel files, but regularly updated treasure troves directly from
the big guys like Visa and Mastercard.

Here's what they're seeing:

1. Authorization Rates: This is important. Some BINs are stars with


95% authorization rates, while others barely scrape by.
Prepaid cards typically have pretty fucking low authorization rates,
sometimes as bad as 40%. Because they're usually loaded with just
enough cash for a pack of smokes and a scratch ticket. Premium
credit cards, on the other hand, are the opposite: high limits, good
credit scores, and frequent approvals.
2. Transaction Restrictions: Some BINs come with built-in limits. For
example:
Gambling restrictions: UK credit card BINs are blocked for gambling
transactions.
High-risk merchant categories: Certain prepaid BINs might be
restricted from adult sites or crypto exchanges.
3. Geographical Information: If you're using a US-based BIN but your
IP is from Russia, that's going to raise alarms.
4. Card Type and Level: A Visa Infinite BIN gets preferential
treatment while a basic debit card BIN is treated like the weird kid
at school.

Real-world example: You're eyeing that shiny new PlayStation on an


electronics site. If you're using a prepaid BIN, you might as well be
trying to pay with Monopoly money. But flash a Chase Sapphire
Reserve BIN, and suddenly you're the store's new best friend.

Some merchants even use BIN data to optimize their process. They
might skip 3D Secure for BINs with low fraud rates. It's like a fast
lane for trusted cards.

Why BINs Are the Backbone of Carding Methods


Now, you're probably wondering why every fucking carder guide and
their mother seem obsessed with BINs. Those genius bastards
writing this stuff aren't just pulling BINs out of their asses. They
have done the legwork, burned through cards, and compiled lists
of BINs that actually work on specific stores.
But now comes the time to pull your head out of the sand: don't just
blindly follow the lists like some brainless sheep. Your job as a
carder isn't to memorize some other fucker's cheat sheet (though
you can learn from it). It is to create your own damn list as you
experience your own carding journey.

Think of it as your personal carding journal. Every time you hit a


home run with a certain BIN on a specific site, jot that shit down.
When you face-plant with another, make a note. Over time, you'll
build a customized database of BINs you love and shit you despise.

This approach isn't just about being a special snowflake. It's all
about efficiency—finding out what works and not pissing away
resources. You won't waste time throwing spaghetti at the wall and
hoping something sticks; you will have a strategy honed through
your own experience.

Remember, the carding landscape is always shifting. What worked


yesterday might get you blacklisted today. By building and
maintaining your own BIN list you're not just following the herd,
you're staying ahead of the game.

So stop being a dumbass who buys any card they can get
their hands on. Start thinking like a professional. Your
wallet (and your success rate) will thank you. d0ctrine out.

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