Develop and improve products. List of Partners vendors. Credit Cards Credit Card Basics. Part of. Credit Cards Overview The Basics. Using Your Card. Best Credit Cards. Table of Contents Expand. Table of Contents. The Parts of an Account Number. Issuer Information. Your Account Information.
Check Digit. Card Number Lengths. Security Codes. Better Technologies. By Justin Pritchard. Justin Pritchard, CFP, is a fee-only advisor and an expert on personal finance. He covers banking, loans, investing, mortgages, and more for The Balance. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for more than two decades.
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Meridian Credit Union. Kookmin Card. Check Card Maestro Debit Card. Standard Bank of South Africa. Maestro Debit Card. Gift Card. Fleet Bank. Maestro EBT Card. Alior Sync. Visa - Digits two through six are the bank number, digits seven through 12 or seven through 15 are the account number and digit 13 or 16 is a check digit.
MasterCard - Digits two and three, two through four, two through five or two through six are the bank number depending on whether digit two is a 1, 2, 3 or other. The digits after the bank number up through digit 15 are the account number, and digit 16 is a check digit.
Cite This! Print Citation. The application ID is printed on the ticket. Offline, there is no mean to know the list of applications supported by your card which tells how the payment system should behave, so it needs to asks you. Most people will use the card issuer's method whose logo is printed on the card Mastercard, Visa, etc.
It is really frequent in multiple countries to have a payment method different from the card issuer's one, even if both could work to fulfill your payment see Zhang Weiwu's answer related to China. Depending on the payment method you choose, the payment system will have an according behavior e. Many early e-commerce systems were fairly unsophisticated and were just text boxes that passed payment data along, so they had to record the card type to pass along to the payment processing system.
I think that has just become a standard that has stuck. Payment processing systems need to know what type a card is so that they can pass it on to the relevant payment system Visa, Mastercard or AMEX, or in some cases a country-specific system like Switch or EMV. It sends a signal on which payment methods you're accepting. Arguably, it could be equally well-accomplished by displaying the logos, but this way the customer who tends to ignore any extra information and immediately proceeds to fill in the numbers won't be told "Sorry, we don't accept Discover round here" after they've gone through the whole process of pulling the card out and entering the numbers in.
Many of the answers I've seen have been very enlightening but I want to throw another angle based on my own experience. Many forms which are prevented to the user to collect money need to be signed off by banks and financial institutions involved. These often have very strict guidelines surrounding layout and format of the fields. Any deviation from this layout will prevent them from endorsing or sometimes accepting payments from your application.
But for many the real answer is so they can charge credit card fees. We can't tell the difference between a Visa credit card or a a Visa debit card same for all brands based on the card number itself, so we have to rely on the users telling us. Edit: I've designed at least three checkout systems for multi-million user websites. This is the reason it's been included, much as I'd like to be able to get rid of it Sign up to join this community. The best answers are voted up and rise to the top.
Stack Overflow for Teams — Collaborate and share knowledge with a private group. Create a free Team What is Teams? Learn more. Why do credit card forms ask for Visa, MasterCard, etc.?
Ask Question. Asked 7 years, 9 months ago. Active 3 years, 5 months ago. Viewed k times. It's not a barrier for bots to my knowledge. It's redundant information. It's an additional button to click for someone about to pay for something. If it's for consistency of experience for users: "Wait, why wasn't I asked what type of card I had? Improve this question. Code Maverick 9, 5 5 gold badges 30 30 silver badges 58 58 bronze badges.
Aaron Hall Aaron Hall 3, 4 4 gold badges 15 15 silver badges 23 23 bronze badges. Highly related, but not a duplicate in my opinion. For that matter, why do credit card forms prohibit me from entering spaces in my credit card number? It's much easier for me to double check the number when I have spaces than when I have a single 16 digit number. Though the forms that have separate boxes for each 4 digits are even worse from a usability perspective.
Deduce the credit card company based on the first digit? Bad idea. The moment the convention changes in other words, if Visa starts running out of numbers, and starts beginning credit cards with an 8, e. It's only redundant information as long as the convention never changes — and conventions do tend to change over time. There was a time when all U. Deducing the card type from the IIN range the IIN is the prefix on the front of the card number, and is the thing covered by the standard is a perfectly valid thing to do.
Show 32 more comments. Active Oldest Votes. Here are some quotes from that article: Help people succeed Will you help your users succeed in their purchase, or rather make it really hard for them? Amazon tries to help their customers to go through the process as quickly as possible. Comments to this answer, since removed, brought up another question: Do you have to display credit card logos?
With respect to displaying credit card logos ChrisLively mentioned the following: The reason sites put the logos up and ask the user to select is because VISA, MC and others either require it or give slightly better rates when you do. Later on the same page, it seems to clarify things a little bit more : Use on Internet Merchant Locations At internet merchant locations, cardholders must be able to determine immediately that the particular brand is accepted.
The last thing I want mention piggybacks the original question by asking: How can I automatically detect the credit card type so I don't have to ask for it in the form?
As a bonus, it also shows you how validate a credit card number with your mind by using the Luhn algorithm : Now, as you should have noted from the info graphic, we are able to determine the type of a credit card by looking up the first 6 digits of the card number. Use BinBase's lookup feature. Improve this answer.
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