Updated Non-VBV/MSC BIN List for 2023

Carding newbies always ask us for a list of non-VBV BINS. Well, today, we finally reveal that list as well as an OTP Bypass method.

CC fraud, or otherwise known as carding, has evolved its methods to keep up with newer security levels. The payment industry has additional protocols to ensure the security of cards while they are used on the Internet. Some of the more common methods include an email OTP or sending a text to the phone number on file in order to verify the card owner as they shop online. Unfortunately, not all cards have this level of protection, and that’s where card fraudsters can thrive. The cards you need to watch for and use are called non-VBV or non-MSC cards.

What Is BIN?

The Bank Identification Number (BIN) is a 6-digit number that is unique to the CC. If you don’t already have this information, there’s plenty of sites you can use to find it.

What Is VBV?

Verified by Visa or VBV/3D is an extra layer of online protection some debit or credit cards have. These cards require the card owner to confirm the transaction directly before the payment is authorized, it can be either by call, SMS, or email. The confirmation can include an OTP or for the owner to answer a question, confirming their Social Security Number (SSN), parent or partner’s name, DOB, or password.

Non-VBV cards do not need extra information as VBV requires per transfer. This is exactly why they are handy to use for fraudulent activities.

What Is MSC?

Just like Visa cards that have an extra layer of protection, Mastercard CCs have a similar protocol. MSC refers to the Mastercard Secure Code, which acts with similar protection as a VBV.

What Is OTP?

This term means one-time password. The password can include a string of letters or numbers that are unique to each transaction.

Our list only includes 2D or non-VBV cards. These BINs pass VBV windows without an OTP.

Non-VBV BINS List

BIN Provider Issuer Type Subtype Issuing Country

430023 VISA World’s Foremost Bank Credit Classic USA

438948 VISA Commerce Bancshares Credit Platinum USA

488893 VISA Fia Card Services Credit Platinum USA

426429 VISA Bank of America Credit Platinum USA

480012 VISA Fia Card Services Credit Gold Premium USA

486236 VISA Capital One Bank Credit Platinum USA

441297 VISA First National Bank of Omaha Credit Platinum USA

401398 VISA U.S. Bank National Association Credit Platinum USA

431307 VISA Fia Card Services. Credit Signature USA

426428 VISA Fia Card Services Credit Platinum USA

416621 VISA World Financial Network Credit Classic USA