Is it prepaid, debit or credit?
Enter a card BIN to identify whether it's a prepaid, debit or credit card — along with the issuer, country and scheme. Free and instant.
How to identify a prepaid card
A card's type — prepaid, debit or credit — is part of the metadata encoded in its BIN. Resolving the BIN against issuer registries reveals the product type, which matters for acceptance, fees and risk decisions.
Prepaid cards behave differently from debit and credit: many merchants restrict or surcharge them, subscription services may decline them, and fraud models treat them as higher risk. Knowing the type up front lets businesses set the right rules.
This prepaid card checker is free, needs no login, and processes only the first 6 to 8 digits of the card — never the full number or any cardholder data.
Frequently asked questions
- Can I tell if a card is prepaid before charging it?
- Yes — entering the BIN reveals the card type, including prepaid, so you can decide before processing a transaction.
- Why do some services block prepaid cards?
- Prepaid cards can't always be re-charged and carry higher chargeback and fraud risk, so some subscription and rental services restrict them.
- Is the card type always available?
- It's available for most BINs in public registries, though a small number of ranges may not specify the type.
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