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Credit Card Alternatives Prepaid, Gift, Debit and Credit Cards. Credit Card Alternatives. Bank Account Verification and Alternatives.

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Old 01-15-2009
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Default How do sites know when your useing prepaid cards as to creditcards?

Like i was going to load my upside card with a visa gift2go regsiterd in all my personal info and when i hit load it said (We are not able to load funds from prepaid credit cards. and you must use your debit or creditcard to load funds with) I dont see how they can know which is a real card and which is a prepaid. I was thinking at first it could be the BIN #'s which is the first 6 digits on the card but i bought a prepaid credit card at my main bank and it has the same first 6 #'s as my debit card which works on upside so i know now its not the BIN #'s but something else is given it away. Any one else have any ideas how they could tell?
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Old 01-16-2009
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Every card issued has a unique number that identifies the card. It is not just the acount number given when a gift card is created but how the number itself is 'coded'. So when you put the information of the gift card(partyA) to fund a transaction (partyB).Computerized security measures of party B determines
what happens.
Have a look at a card & break the numbers up:

1234 / 5678 / 9123 / 4567
BIN issuing bank
type of card
account no.

(More or less how they work: may be variations)
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Last edited by GreenBean; 01-16-2009 at 01:13 AM.
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