single check digit calculated using the Luhn algorithm.a six-digit Issuer Identification Number (IIN), the first digit of which is the MII ( Major Industry Identifier).a variable length (up to 12 digits) individual account identifier.ISO/IEC 7812 IINs can be up to 19 digits, are six digits in length. For example, if the customer's billing address is in on country, while, the credit card's IIN indicates a bank in another country, the transaction may call for extra scrutiny or the transactions will suspend. Online merchants like Amazon Google may use IIN lookups to help validate transactions when you give them a Credit Card number. The last digit is the checksum which must pass the Luhn algorithm check to protect against accidental errors. This is an individual account identifier. The first digit identifies the industry where the card will be most used in.Īfterwards country code digits comes the account number, digit 7 to last minus one.

If this digit is 9 the next three digits are the country code from ISO 3166-1. The prefix or first digit of the issuer identification number is the MII (major industry identifier). IINs and PANS have a certain level of internal structure and share a common numbering scheme. The remaining numbers on the card are referred to as the primary account number (PAN).īank card numbers are allocated in accordance with ISO/IEC 7812. What is Credit Card Number?Ĭredit Card issuers refer to the leading six digits on the card as an 'bank identification number (BIN)', or 'issuer identification number (IIN)'.

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