6 min read · Sep 19, 2023
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In the ever-evolving world of online transactions, staying ahead of the curve is essential for both consumers and businesses. One crucial aspect of online security and convenience is the use of credit cards. With the constant advancements in technology, credit card security measures are also continuously improving. One such advancement is the introduction of Verified by Visa (VBV) and Mastercard SecureCode (MSC) protocols. These security features add an extra layer of protection to online transactions, reducing the risk of fraud.
However, for some online shoppers and businesses, these security measures can sometimes be a hindrance. That’s where the Non-VBV/MSC BIN List comes into play. In this article, we will explore what Non-VBV/MSC BINs are and provide an updated list for 2023.Understanding BIN
Before we dive into the specifics, let’s clarify what BIN stands for. BIN stands for Bank Identification Number. It’s a unique 6-digit number assigned to every credit card. If you’re looking for this information, numerous websites can help you find it.
VBV, or Verified by Visa (also known as VBV/3D), represents an additional layer of online protection found on some debit or credit cards. These cards require the cardholder to confirm a transaction directly before authorizing payment. Confirmation methods can include phone calls, SMS messages, or email verification. This verification might involve entering a one-time password (OTP) or answering security questions, such as Social Security Number (SSN), parent or partner’s name, date of birth (DOB), or a password.
Non-VBV cards, in contrast, do not necessitate extra information, making them ideal for illicit activities due to their streamlined transaction process.
Similar to VBV, Mastercard credit cards also have an additional layer of protection called MSC, which stands for Mastercard Secure Code. MSC functions similarly to VBV in providing enhanced security.
In the world of carding, having a list of non-VBV BINS is only part of the equation. Carders are always on the lookout for methods to bypass OTP verification, which adds an extra layer of security to online transactions. Here’s a brief overview of the OTP bypass method:
Carders often use social engineering techniques to trick cardholders into revealing their OTP or security question answers. This can be done through phishing emails, fake customer service calls, or even SMS scams. By posing as a legitimate institution or service provider, fraudsters manipulate cardholders into providing the information needed to complete a transaction.
Now, let’s get to the heart of the matter: the list of non-VBV BINS for 2023. These BINs are particularly sought after by carders as they bypass VBV windows without requiring an OTP.
- Faster Transactions: Non-VBV/MSC BINs allow for swift and hassle-free online shopping experiences, making them ideal for businesses looking to streamline the payment process.
- Accessibility: They provide access to a broader range of customers who may not have VBV or MSC cards or prefer not to use them.
- Reduced Cart Abandonment: With fewer security steps, there is a lower chance of customers abandoning their shopping carts due to transaction difficulties.
- Lower Security: The primary drawback is the reduced security, which can lead to a higher risk of fraudulent transactions.
- Chargebacks: Businesses accepting Non-VBV/MSC BINs may face higher chargeback rates due to the increased likelihood of fraud.
- Limited Protection: Cardholders using these BINs have limited protection in case of unauthorized transactions.
Below is a curated list of non-VBV BINs that successfully bypass VBV security measures without requiring an OTP:
BIN: 426429
- Provider: VISA
- Issuer: Bank of America
- Type: Credit
- Subtype: Platinum
- Issuing Country: USA
BIN: 480012
- Provider: VISA
- Issuer: Fia Card Services
- Type: Credit
- Subtype: Gold Premium
- Issuing Country: USA
BIN: 486236
- Provider: VISA
- Issuer: Capital One Bank
- Type: Credit
- Subtype: Platinum
- Issuing Country: USA
BIN: 441297
- Provider: VISA
- Issuer: First National Bank of Omaha
- Type: Credit
- Subtype: Platinum
- Issuing Country: USA
BIN: 401398
- Provider: VISA
- Issuer: U.S. Bank National Association
- Type: Credit
- Subtype: Platinum
- Issuing Country: USA
BIN: 431307
- Provider: VISA
- Issuer: Fia Card Services
- Type: Credit
- Subtype: Signature
- Issuing Country: USA
BIN: 426428
- Provider: VISA
- Issuer: Fia Card Services
- Type: Credit
- Subtype: Platinum
- Issuing Country: USA
BIN: 416621
- Provider: VISA
- Issuer: World Financial Network
- Type: Credit
- Subtype: Classic
- Issuing Country: USA
Carding, with its evolving methods and ever-advancing security protocols, remains a persistent challenge in the digital age. Understanding the significance of BINs, VBV, MSC, and OTPs is crucial for both online shoppers and security professionals. While the list provided here may be informative, it is essential to emphasize that engaging in any form of card fraud is illegal and unethical. This information is meant for educational purposes only, and promoting or engaging in illegal activities is strongly discouraged.
These BINs are invaluable for those looking to engage in carding activities that require non-VBV cards.
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Secure Shopping on sudohackers.com — — — CLICK HERE
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Learning carding online — — — — — — — — — — — -CLICK HERE
24/7 Support — — — — — — — — — — — — — — — — CLICK HERE
Are Non-VBV/MSC BINs legal to use?
- Non-VBV/MSC BINs are not illegal, but their use may be subject to terms and conditions set by card issuers and local regulations. Always ensure compliance with applicable laws.
Do Non-VBV/MSC BINs guarantee 100% security?
- No, Non-VBV/MSC BINs offer lower security compared to VBV and MSC cards. While they provide convenience, they also come with increased risks of fraud.
Can I accept Non-VBV/MSC payments for my online business?
- Yes, you can choose to accept Non-VBV/MSC payments, but be aware of the potential risks, such as chargebacks and fraudulent transactions.
How can I find the latest Non-VBV/MSC
- The availability of Non-VBV/MSC BINs can change frequently. Consider consulting with payment processing experts or online forums for updated lists.
What precautions should I take when using Non-VBV/MSC BINs?
- When accepting payments with Non-VBV/MSC BINs, implement additional fraud prevention measures, monitor transactions closely, and stay informed about the latest security trends.
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