B2 8-Digit BIN Test Card Set
An 8-card set for confirming 8-digit BIN support. It checks each layer — the payment application, the host, routing and the BIN database — for implementations that still assume a six-digit BIN.
The testing problems this solves
Many implementations historically treated the first six digits as the BIN or IIN, but 8-digit BINs must now be supported. This set is for integration testing across the payment application, the host, routing and the BIN database. It is not for EMV kernel testing.
Set contents
| Item | Detail |
|---|---|
| Quantity | 8 cards |
| Schemes covered | 8-digit BIN profiles across several regions and currencies, centred on Visa, Mastercard and Maestro |
Implementation problems it finds
| Scope | Typical problems |
|---|---|
| POS application | Determines the scheme and card type from six digits only |
| Host | The BIN table does not yet handle eight digits |
| Routing | Sends transactions to the old BIN ranges |
| DCC | Country and currency are determined on a six-digit BIN assumption |
| Receipt | The BIN masking range is wrong |
| Fraud detection | Six-digit and eight-digit rules conflict |
| Loyalty | BIN-based benefit decisions are wrong |
| Token handling | The FPAN and DPAN classification tables are incomplete |
| Reporting | Issuer and product classification is wrong |
Before use, confirm that the processor concerned supports the test BIN.
Relationship to certification levels
| Category | Position |
|---|---|
| EMV Level 1 / Level 2 | Not a formal tool for certification |
| EMV Level 3 | It supports UAT, pre-testing and regression testing |
| Acquirer certification | Used where the acquirer specifies and approves it |
Passing a test with a B2 card is not the same as passing scheme or acquirer certification.
Points to confirm before use and before ordering
| Item | Detail |
|---|---|
| Host support for the test BIN | A card may read at the terminal and still fail online authorisation if the processor has not registered the test BIN. Please confirm that the processor concerned supports it before use |
| Test CA public key | If the scheme's test CA public key is not loaded in the terminal, transactions fail in SDA, DDA and CDA |
| Blocking of the offline PIN | Repeating an incorrect offline PIN decrements the PIN try counter and can block the card permanently |
| Card expiry and bill of materials | At shipment we obtain a per-card expiry list and a breakdown of what is included |
| Whether the profile is fixed | If you need to change arbitrary tags, consider a custom test card or ICCSimDev |
Choosing the right B2 test card set
Choose a B2 card product by which interface and which market conditions you need to verify.
| Product | If you are considering |
|---|---|
| EMV test card set | You want transaction UAT by region and scheme using physical cards, mainly contact |
| Touchless Dual IF Collection | You want transaction UAT for contactless and dual interface |
| USA Debit Test Card Set | You want to verify US Common Debit AID selection and routing |
| ★ 8-digit BIN test card set (this page) | You want to confirm 8-digit BIN support across terminal, host and routing |
| UAT EBT card | You need transaction UAT for special cases such as EBT |
| Magnetic stripe simulator | You want to simulate magnetic track behaviour, or verify it with the SmartStripe probe |
Where it is used
- Setting up operational verification for a new development
- Regression after a configuration change or update
- Coverage checks ahead of certification
Relationship to certification
For UAT and pre-testing. If certification is required, testing is carried out at an accredited test laboratory and the approval is issued by EMVCo or the payment scheme concerned. We can introduce the laboratory.