More Virtual Payment Cards Flagged in minFraud

Effective September 1, 2023 we will be flagging more virtual payment cards from select digital banks in minFraud. In transactions where the IIN is submitted, the minFraud services will be able to accurately tag more payment cards as virtual. Virtual cards do not have a physical card associated with the card number. Customers may use virtual cards for added security, though they are also popular with resellers who use them to attempt to bypass order limits.

To benefit from increased virtual payment card detection, you must pass the IIN or BIN (credit_card/issuer_id_number) of the payment card:

• Learn more about the IIN input on our Knowledge Base.
• See the documentation for this input in the API schema on our Developer Portal.

Users of the minFraud Insights and Factors services will be able to see whether a submitted payment card is virtual using the credit_card/is_virtual output:

• Learn more about prepaid and virtual card detection on our Knowledge Base.
• See the documentation for this output in the API schema on our Developer Portal.