Distinguish between a debit or credit card based on its first 8 digit

[ADanny]

As per title, we are looking to determine if the card is a debit or credit, ideally based on its first 8 digit. Or possibly with other methods?

[SyedSa]

Hi @ADanny, Thank you for reaching out. An agent will get back to you as soon as possible. Until then, if any community member has information that may be helpful, please feel free to reply.

[API_Products]

Hey @ADanny,

Determining whether a card is a debit or credit card based on the first 8 digits (also known as the Bank Identification Number or BIN) can sometimes be challenging due to the lack of a standardized way to differentiate between them. However, you can use BIN databases or API services that provide detailed information about the card type.

Method 1: Using BIN Database or API

There are several online services and databases where you can input the first 6-8 digits of a card to get detailed information about it, including whether it's a debit or credit card.

Example Using BIN List API

Here's an example of how you might use a BIN list API to determine the card type:

```python
import requests

# START 
def get_card_type(bin_number):
url = f'https://api.bincodes.com/bin/{bin_number}'
params = {
'format': 'json',
'api_key': 'your_api_key'
}
response = requests.get(url, params=params)
data = response.json()

if response.status_code == 200:
card_type = data.get('card_type')
return card_type
else:
return data.get('message')

# Example usage
bin_number = '12345678'
card_type = get_card_type(bin_number)
print(f'The card type is: {card_type}')
# END 
```

Method 2: Manual Lookup

If you prefer not to use an API, you can manually look up BIN data using BIN databases available online. These databases are often updated and can give you information about the issuing bank, card type, and other details.

Limitations

1. Accuracy: While many BIN databases and services are accurate, they may not always be up-to-date with the latest BIN assignments.
2. Privacy: Ensure you comply with privacy and data protection regulations when using or sharing card information.

Using the first 8 digits of a card (BIN) to determine whether it's a debit or credit card is possible through BIN databases or API services. This method can help you get detailed information about the card type and issuing bank. Always ensure you handle card data responsibly and comply with relevant regulations.