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Credit card usage has become ubiquitous in our digital world. The credit card number (often termed PAN- Primary Account Number in the Payments industry) serves as a unique identifier of the card and account. BINs are Bank Identification Numbers, an initial part (formerly six first digits) of the credit card number, which allow identification of the financial institution and type of card or association. As part of the payments sector rapid growth, availability of BINs is becoming scarce. To ensure future availability of BINs, ISO is now assigning eight-digit BINs to new requesters and credit card issuers meaning that the first 8 digits of a card will serve to identify the bank and type of card in use. Acquirers and processing networks have followed suit and are also requiring eight-digit BINs. PCI-DSS compliance regulations have not changed and still allow exposure of only the first six digits and any other four digits in a PAN as the method for protecting data.

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Vindicia Implementation of Eight-digit BINs

Vindicia, a well-known participant in the payment and subscription industry, fully complies with the eight-digit BIN requirement and supports it in its system implementation for Subscribe and Retain. Security and credit card data protection remain a top concern for Vindicia. Accordingly, we comply and follow the PCI-DSS compliance regulations and display the first six digits and the last four digits of cards in our system. Vindicia support of eight-digit BINs is an internal system change and requires no action from our merchants and no change in your current implementation.