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I tried using application labels but they are not reliable (sometimes they mention visa debit but sometimes they just show VISA).

codejammer
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  • There is no "credit vs. debit" tag available on an EMV card. Have a short look on the processing workflow - how needs to know the difference ? Nether the cashier, the card terminal, the merchant's card terminal provider nor the merchant's bank are interested in this information. Only the card holder bank needs to check whether the payment is debited directly to the holder's bank account or (in case of a "credit" card) are booked on an intermediatery account (the Credit Card account). As the card holders bank issued the card they already know what type of card is represented by the card number. – Michael Fehr Aug 18 '23 at 13:30

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The international card schemes may have own Proprietary Tags which could point you to card Debit or Credit type.

Say, card AIDs for Maestro, Visa Electron, Visa VPAY, Interac, and many local national card schemes could point you to these cards Debit Product type just due to these products design.

Unfortunately, Visa International Debit/Credit Card AID cannot clearly identify Card Product type.

There was SEPA Cards Standardisation Bulleting to the European EEA cards and EMV Tag 0x9F0A for the definition to the Card Product Identification. Google EPC050-16 for the details.

New cards issued in Europe, due to Interchange Fee Regulation "shall ensure that their payment instruments are electronically identifiable".

If presented, this tag 0x9F0A can define one or several Product Types: Debit, Credit, Commercial, Pre-paid, etc.

In other case the card BIN tables should be used to identify the product type.

iso8583.info support
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  • Thanks for the more (in detail) explanation. Unfortunately there is nothing to rely on ("may", "could", "shall") for every EMV card. How can the. BIN table help to identify the product type - i.m.h.o. they point to a bank and an account only ? – Michael Fehr Aug 18 '23 at 23:34
  • Hi @MichaelFehr, If you like to get answers about the card BIN tables please open your own question in SO. Thanks. – iso8583.info support Aug 19 '23 at 09:32