My job is trying to do away with prepaid cards. I however have been having trouble telling them apart from regualar credit cards. How can you tell without running a credit check and ext.
The two pieces of information are different:
- The name of the person on the front of a prepaid card is usually 'Thank You'
- The back of the card usually mentions 'monthly maintenance fees'
Calling the number on the back of the card is also a way to verify both the type of card as well as the identifying information associated with it.
TL;DR: It may be possible to find this information using an online lookup tool (although, as noted in a comment, the specific tool I found may not be very accurate or up-to-date).
The first six digits of a credit/debit card number are the Issuer Identification Number (IIN) – see Payment card number on Wikipedia. The IIN can potentially tell you a lot about the card beyond who issued it: for example, whether it is a debit or credit card, and whether it is prepaid or not. The "master list" of IINs is maintained by the American Bankers Association.
The blog-post "Is There a Way to Tell If a Card Number Is Debit or Credit?" covers some of the information that can be gleaned from the IIN using the free service Binlist.net, including its type and prepaid status. Note, however, that the blog's "bottom line" includes:
Binlist also works to tell if a card is a prepaid debit gift card, but it’s not as consistent at providing [this] information [as indicating whether it is a debit/credit card].
Also note the Binlist site's disclaimer:
Although this service is very accurate, don't expect it to be perfect.
Disclaimer: I am not affiliated with either the blog site the above link is taken from, or the Binlist site, nor can I vouch for their accuracy.