BIN 493860

VISA credit card (CLASSIC level) issued by BOC CREDIT CARD (INTERNATIONAL), LTD. in Hong Kong

Card Information

IIN / BIN Length Required Network Company Card Type Card Level Currency
493860 16 VISA credit CLASSIC HKD

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Bank Issuer Information

Name Website Phone City
BOC CREDIT CARD (INTERNATIONAL), LTD. www.boci.com.hk 852 2853 8828 OR (852) 28538888

Country Issuer Information

Flag Code Name Numeric Latitude Longitude
Hong Kong IIN / BIN List HK Hong Kong 344 22.396428 114.109497

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Introduction 101 of the BIN Number System

The BIN is the six prefix number part of a full card number on any plastic payment card people use daily. Banks, financial institutes, "good" merchants, and users worldwide use the BIN system for various purposes.

Banks use them to verify submitted data. They are trying to see if card BIN info matches with other users' info going along with the submission. If it is too big of a mismatch, they will freeze that transaction, then contact the known owner of the card to make sure they are the one authorizing it.

Merchants use them in a very similar manner as banks do. They aim to turn down fraudulent transactions. However, merchants may need to buy the software for BIN checking. What most merchants do is they validate the data submitted by users before even turn around sending the user's data to merchant gateway for charging; such as: Authorize.net, Fatmerchant, Paypal, etc In the case that merchants do not have access to BIN software, they can pay extra fee to rely on gateway company for such checks.

Surprisingly, users worldwide look up BIN results for educational purposes, for fun, or for deeper understanding how the pieces of plastic they carrying around work

493860 VISA credit Hong Kong HK BIN List">

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