Card type information is used in card schemes such as MasterCard, Visa, and TROY. The card types and card type codes used in the Visa system are listed below.
Card Type (cardTypeCode)
| Code | Description | Code | Description |
|---|---|---|---|
| C | Credit | P | Prepaid |
| D | Debit | R | Deferred Debit |
| H | Charge Card |
Where is card type information used?
Card type helps the issuing bank and the scheme place the transaction in the correct category. This information is referenced in processes such as commission, routing, limit control, and reporting.
On the merchant side as well, installment, campaign, or commission differences may be applied based on card type. For example, an installment campaign specific to credit cards may not apply to debit cards.
Interpreting card type codes correctly is important for keeping BIN tables up to date and preventing misclassification.
