有没有办法检测卡的类型，即借记卡或信用卡

Question

I need to detect the card type: Debit or Credit when the customer is on website's checkout page.

I am using the library ie https://github.com/braintree/credit-card-type already to determine the card brand ie Visa,Amex,Mastercard etc. But these don't provide the card type info. Is this possible at all.

Answer 1

Yes, it is possible. You need to get a list of BIN ( B ank I dentification N umbers) which correlate to card type (debit or credit). You then can compare the BIN number, which is the first 4-9 numbers of the card, to that list which will tell you the card type.

Processors like Worldpay and Card Connect make lists like this available. I am unsure if there is a cost or not. I found this free one but you'll need to massage it a bit to consume it programmatically. This API also claims to be free.

Answer 2

Another api solution at rapidapi Bank Card Bin Num Check there are 250K+ issued card type.

Just one GET request with cards first 6 number. and see result

{ "bin_number": 535177, "bank": "Finansbank A.S.", "scheme": "MASTERCARD", "type": "Debit", "country": "Turkey" }