[jpos-users] Identify the swiped Card Type...

[Bhaktu]

Hi Experts,

I am new to JPos. I am working on a task where I have to integrate the
existing payment application with MSR Device. I am able to populate
the following fields:
- Name On Card
- Card Number
- Expiry Date
from Mag Stripe reader( ID TECH) device. But I am not clear how to
resolve the following issues:
1- Which Card it is? (VISA, Discover, AMEX, Master.....)
2- Swapped Card is Debit or Credit? Because we accept on Credit Card
if selected payment method is Credit Card...

Please help me....

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[Mark Salter-5]

Bhagat Singh wrote:

> I am new to JPos. I am working on a task where I have to integrate the
> existing payment application with MSR Device. I am able to populate
> the following fields:
> - Name On Card
> - Card Number
> - Expiry Date
> from Mag Stripe reader( ID TECH) device. But I am not clear how to
> resolve the following issues:
> 1- Which Card it is? (VISA, Discover, AMEX, Master.....)
> 2- Swapped Card is Debit or Credit? Because we accept on Credit Card
> if selected payment method is Credit Card...

You need a BIN table from each of the schemes to know for sure.  People
often think the 4=Visa 5=MasterCard, but this is not accurate.

As an acquirer, you will be firing your requests into the scheme
directly or via another interface, you might not need to know?  But it
will depend on how you talk to the scheme network.

> > 2- Swapped Card is Debit or Credit? Because we accept on Credit Card.
I don't believe this is possible from the content of the card.  I
thought of the Extended Service code (3 digits following expiry date in
track), but only because for debit, the second character *should* be 2
or 4.  I think the same detail will be in the BIN table...

... the BIN (first 6 digits of PAN) table will  hold indicators like
credit/debit amongst others.  Speak to you network acquirer or scheme if
connecting direct, they should be able to help.


--
Mark

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