How Non-VBV BINs and Auto-VBV BINs of Cards Work

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Non-VBV and Auto-VBV bins are terms used in the context of working with bank cards to describe types of cards that can bypass or automatically go through the additional authentication process when shopping online. Let's look at what they are, how they work, and why they are used.

1. What is VBV?​

VBV (Verified by Visa) and its analogues for other payment systems (for example, Mastercard SecureCode) are additional authentication systems that require the user to confirm the transaction via an SMS code, one-time password or mobile application. This adds an additional level of security and makes it more difficult to use stolen card data.

• Example: When attempting to make a purchase on a site that supports VBV, the user is prompted to enter a code via SMS or through the bank's app.

2. Non-VBV BINs​

What is this?​

Non-VBV (Not Verified by Visa) are cards that do not support the additional authentication system. This means that when using such cards, you do not need to enter an SMS code or undergo other checks.

How does it work?​

1. No 3D Secure: Non-VBV cards do not have the VBV/SecureCode system activated.
2. Ease of use: Fraudsters can use such cards to make purchases on websites without additional verification.
3. Target sites: Typically, these cards are used on sites that do not support 3D Secure (such as small online stores).

Why is this important?​

• For fraudsters, Non-VBV cards are more convenient, as they allow transactions to be made faster and with a lower risk of being blocked.
• However, many banks are gradually refusing to issue Non-VBV cards, as this reduces security.

3. Auto-VBV BINs​

What is this?​

Auto-VBV (Automatic Verified by Visa) are cards that support the additional authentication system, but automatically pass it without user intervention.

How does it work?​

1. Automatic confirmation: The VBV system automatically generates and sends a one-time code that immediately confirms the transaction.
2. Use on sites with 3D Secure: Such cards can be used even on sites that require additional authentication.
3. Risks: Some banks or platforms may block such transactions if they detect suspicious patterns.

Example of use:​

• The fraudster enters the card details on a website that requires VBV.
• The system automatically confirms the transaction without the need to enter a code.
• The purchase is completed successfully.

4. Difference between Non-VBV and Auto-VBV​

Criterion	Non-VBV	Auto-VBV
3D Secure Support	No	Yes
Necessity of code	No	Automatic confirmation
Difficulty of use	Simple	Requires compatibility with VBV system
Risk of blocking	Higher	Below

5. Why are Non-VBV and Auto-VBV popular among carders?​

a) Convenience​

• These cards avoid the complex authentication process, making them attractive to fraudsters.

b) Wide application​

• Non-VBV cards can be used on sites that do not support 3D Secure.
• Auto-VBV cards are suitable for sites with mandatory authentication.

c) Fast transactions​

• Not having to enter codes speeds up the purchasing process.

6. How do banks combat this?​

a) Transition to mandatory authentication​

• Many banks are actively implementing the mandatory 3D Secure system for all cards.

b) Monitoring suspicious transactions​

• Banks monitor card usage patterns and block suspicious transactions.

c) Replacement of Non-VBV cards​

• New cards are issued with VBV/SecureCode support.

7. Risks of using Non-VBV and Auto-VBV cards​

a) Legal consequences​

• Using such cards for fraudulent purposes is illegal and may result in criminal prosecution.

b) Transaction blocking​

• Many websites and banks actively monitor suspicious activity, which increases the risk of blocking.

c) Loss of money​

• If the card is "burned" or blocked, carders lose their investment.

8. Alternatives for legal use​

If you are interested in the topic of payment systems and bank cards, consider legal ways to apply your knowledge:

• Fintech industry: Work in companies developing payment solutions.
• Cybersecurity: Protecting systems from fraud and attacks.
• E-Commerce: Starting your own business or working in the online payment industry.

9. Conclusion​

Non-VBV and Auto-VBV bins are tools used to bypass additional authentication systems. While they may seem convenient for fraudsters, their use is associated with high risks, including legal consequences and financial losses. Instead, it is worth focusing on legitimate ways to apply your skills in IT, fintech or cybersecurity.

If you have any further questions about how such cards work or how to use them, write!