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A Universal Payment Identification Code (UPIC) is an identifier (or banking address) for a bank account in the United States used to receive electronic credit payments. [1] A UPIC acts exactly like a US bank account number and protects sensitive banking information.
Payment card numbers are composed of 8 to 19 digits, [1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN). [2]: 33 [3] The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit.
The number is 19 digits (in the format 672BBBBBAAAAAAAAAAL) and, for German cards, always starts 672. B is the shortened bank sort code of the issuing bank, A is the account number ("Kontonummer" on the front of the card) and L is the Luhn check digit. 93.129.197.8 00:55, 2 September 2012 (UTC)
Your billing zip code, or credit card postal code, is the five-digit number on the bottom right, which in this sample is 90210. This would be the zip code associated with your billing address.
When a transaction is made, the card holder is offered a paper or electronic transaction record containing information about the purchase. This includes: transaction amount, transaction number, transaction date and time, transaction type (deposits, withdrawal, purchase or refund), type of account being debited or credited, card number, identity of the card acceptor (organization/store address ...
The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either the front or the back. Many new cards now have a chip on them, which allows people to use their card by touch (contactless), or by inserting the card and keying in a PIN as with swiping the magnetic stripe.
For example, St George Bank offers a Visa Debit Card, [10] as does the National Australia Bank. The main difference with regular debit cards is that these cards can be used outside Australia where the respective credit card is accepted. Those merchants that enter the EFTPOS payment system must accept debit cards issued by any Australian bank ...
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