Bank card attribute lookup
Bank card attribute lookup allows you to verify card information for payment profiles. Not only will this help prevent borrowers from defrauding you, but it can also help you meet due diligence requirements. This article covers the attribute lookups for bank cards. For checking or savings accounts, see ValidiFI.
Turning on card attribute lookup
Before you check any card, you'll need to turn this feature on. Inside of Secure Payments, navigate to My Account > Actions. Under the ‘Information Lookup’ section, find the settings ‘Card Attribute Lookup’ and ‘Advanced Card Attribute Lookup’. The toggle switches on the right determine whether they'll pull information when you check an individual bank card.
The standard card attribute lookup can tell you a card's brand (like Mastercard or Visa) and type (credit, debit, or prepaid). The advanced card attribute lookup pulls two additional fields:
- Can disburse: A card can receive funding (assuming you're using a payment processor who can fund cards, like LoanPaymentPro.)
- Activated: The card is active and ready to make payments.
Looking up card attributes
In the Secure Payments UI, navigate to Customers > Select a specific customer > Payment Profiles. This page will display any existing payment profiles, or let you add a new one with the plus icon.
Next to each payment profile you'll find a blue info icon; clicking it pulls up a window asking for that profile's token.
Once you've entered the token, it'll pull up the card information for that profile. The window shows the following fields:
| Field | Description |
| Card number | The last four digits of the card number. |
| Type | The card's brand, like Master Card, Discover, VISA, or American Express. |
| Can disperse | One of the Advanced Card Attribute Lookup fields. This tells whether funds can be loaded onto the card. If the advanced lookup is turned off, the field will be blank. This can help prevent failed funding transactions. |
| Activated | One of the Advanced Card Attribute Lookup fields (see below). This tells whether the card is active, and should indicate that it can receive funding or make payments. If the advanced lookup is turned off, the field will be blank. |
| Card type | The card type, such as credit, debit, or prepaid. |
The table also holds the address for the card.
API connection
Customers who choose to pull this information will often want to use it within their internal systems. The best way to do this is to retrieve the information through the Secure Payments API. Check out our API docs for the specifics.
Bank cards control
Using Bank Identification Number (BIN) ranges, Secure Payments can restrict certain types or brands of card with the click of a button. Secure Payments will only be able to block unwanted payment profiles if Card Attribute Lookup has been turned on. If you try to use ‘Bank Card Control’ settings without card attribute lookup, Secure Payments will display a notification with a link to turn it on.
Within Secure Payments, you'll find these features under Settings > Bank Cards Control in the navigation pane at the left. This window will show a set of toggle controls to restrict cards based on three different criteria:
-
Types: Restrict certain types of cards, such as credit or prepaid debit cards.
- Note: The 'Prepaid' category is not mutually exclusive with other types; all prepaid cards are also either credit or debit. If you only have the 'Prepaid' toggle enabled, Secure Payments will not accept any payment profiles.
- Brands: Restrict specific brands of cards, such as ViSA or MasterCard.
- BIN attributes: Control what will happen if the BIN is not recognized. When on, this option will allow you to still accept payment profiles even if the BIN attributes are not available. When off, you will not accept any payment profiles with unrecognized BIN attributes.
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