BIN Test Checker Guide: Limits, Checks, and Legal Use

Our Cards

Choose from any of our gift cards to give to your loved ones

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Where to Use?

Redeem your gift cards at any of our Merchants

Test BIN Numbers: What They Are and Where They Come From

Where to Buy?

You can purchase a gift card from any of these locations

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ABOUT US

about

What is ONYX GiftCards?

Onyx Gift Cards is a Grenadian company designed to introduce, market and manage gift cards systems in Grenada for retailers and corporations. We are enthusiastic about the effect and influence we will have on the local market. We intend to expand our systems regionally with a range of product offerings and services.

What is a Gift Card?

Gift cards are the preferred way of giving and receiving gifts. They carry a monetary value that can be redeemed for gifts at your favorite store.
Onyx GiftCards are “Open Gift Cards” which means that they can be redeemed at multiple merchant locations. They are standard credit card size, can fit into the average wallet and made of PVC plastic. Onyx GiftCards are Barcoded for security and safety for the consumer and bear a disclaimer at the back.
Onyx Giftcards can be bought with a branded Card backer which is black in colour and is designed to fit the card. There is an area to write a brief message to the recipient as well.

How it Works?

  • Buy an Onyx Gift Card at these local stores
  • Give your gift card to friends, family, co-workers, etc.
  • The recipient can shop at our select merchants nationwide
  • Your friends, family, co-workers, etc. will present their gift card at checkout to pay for your item(s)
  • They will walk away happy with the best gift ever...the gift of Choice

Why ONYX GiftCards?

  • Save TIME. No need to run around looking for the perfect gift
  • Redeem from a variety of business island-wide. We will continue adding businesses as fast as ONYX grows.
  • ONYX Gift Cards do not expire
  • Cards are valued at convinient amounts to meet every need and occasion

Answer first

A BIN test checker reads the first 6 to 8 digits of a card number. Those digits are the BIN, or issuer identification number. The tool returns the issuing bank, card brand, card type, and country. It does not confirm that a card is open, funded, or approved. Only an authorization response from the issuer does that.

What the BIN holds

ISO/IEC 7812 defines the BIN as the leading digits of a payment card number. The range identifies the institution that issued the card. Most tables also carry card level, such as classic, gold, or platinum, and the ISO country of the issuer. Visa moved to 8-digit BINs in 2015 to expand the available range.

What a checker verifies

What a checker cannot verify

A BIN lookup says nothing about balance, expiration date, CVV, AVS match, or account status. A closed account and an open account share the same BIN. A result of "valid BIN" means the range exists in a table. It does not mean the account exists.

Legitimate uses

Misuse and legal exposure

Running card numbers that were not issued to you through a checker is card testing, a form of payment fraud. Card testing generates many small authorization attempts, and processors and issuers flag the pattern. In the US, 18 U.S.C. § 1029 covers access device fraud, with fines and prison terms. Processors also terminate merchant accounts tied to test traffic.

Data quality limits

BIN tables age. Issuers retire ranges and reuse them. A lookup against a stale table returns an issuer that no longer holds the range. Check the table update date before you trust a result.

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