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