Mastercard is introducing a new series of International Organization for Standardization (ISO) bank identification numbers (BINs) that will begin with 2 (222100-272099), which will be referred to as 2 series BINs. Mastercard is providing this information to allow sufficient time for future implementation.

Login Credentials are required to access the Mastercard 2-Series BIN Ordering Portal. To request login credentials please contact your Mastercard representative or send your inquiry to the Mastercard Series-2 BIN Mailbox at 2Series_Test_Cards@mastercard.com.

These test credit cards are for terminal testing and host application transaction routing testing purposes. Terminal testing is just another tool in our toolkit of solutions designed to streamline the processes necessary to implement and support 2 Series BIN.

These prepaid test cards have the following features:

  • Prepaid Mastercard with unique numbers but no values
  • Dual interface (contact and contactless chip) plus Magstripe, M/Chip-4
  • Online PIN capability
  • No hologram or signature panel
  • Support all Point of Interactions (POI) environments like Magstripe, Contact, Contactless attended and un-attended POS transactions including but not limited to ATM, Transit, e-Commerce and Fuel testing
  • The PIN is the last four digits of the test card
  • The Authorization messages will receive an “approval” response from Mastercard’s test host
  • Test cards are limited to internal and downstream ecosystem testing in test environment.
  • Transaction will declined with response code = 14 (Invalid Card Number) if they are used in the production environment
  • Test cards will ship within 48 hours subject to available inventory via FedEx with tracking info

Frequently Asked Questions

Summary of Key Effective Dates

The following table shows key effective dates and milestones related to Mastercard 2 series BIN range implementation.

Date Milestone Action
Present—14 October 2016 Host Testing:
Mandatory: Offline Host Testing with Mastercard by Self-Processing Acquirers and Third Party Processors (TPPs) Self-processing acquirers and TPPs must schedule and complete offline host testing with Mastercard within the mandated time frame. Failure to complete host testing by 14 October 2016 may result in Category A noncompliance assessments of up to USD 25,000 (BRL 60,000 for customers in Brazil) per month until host testing is completed.
Strongly Recommended: Offline Host Testing with Mastercard by Self-Processing Issuers Mastercard strongly encourages self-processing issuers to complete host testing with Mastercard to ensure readiness to issue and fully support the 2 series BIN range. U.S. and Canada region customers should contact Customer Implementation Services (CIS) Customer Testing at the email address shown below to schedule host testing: Email: 2series_testing@mastercard.com Customers in all other regions should contact their Customer Delivery account representative to schedule host testing with Mastercard.
Present—14 October 2016 Ecosystem Testing:
Strongly Recommended: Acquirer, Processor, and Issuer Internal and Downstream Ecosystem Testing All customers should complete internal system testing and downstream ecosystem testing to validate readiness (for example, value-added resellers [VARs], independent sales organizations [ISOs], processors, payment facilitators, gateway providers, software vendors, back-end support, and reporting). This effort may also include merchant and ATM field testing.
15 April 2016 Readiness Reporting:
Mandatory: Acquirer Market Readiness Reporting Begins All acquirers must begin providing quarterly Market Readiness Reports to Mastercard. Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
14 October 2016 Ecosystem Readiness:
Mandatory: Payments Ecosystem 2 Series BIN Readiness Date All issuer and acquirer internal and external ecosystems must be fully able to process 2 series BIN transactions.
30 June 2017 Field Testing and Compliance:
Mandatory: Mastercard Merchant and ATM Field Testing and Compliance Begins Mastercard will conduct merchant and ATM field testing to validate 2 series BIN acceptance and enforce compliance. Field testing may commence earlier depending on merchant and ATM readiness as reported in acquirer Market Readiness Reports. Failure to accept a 2 series BIN card by 30 June 2017 may result in Category A noncompliance assessments for each noncompliant merchant and ATM location until compliance is achieved.
2017 and Beyond 2 Series BIN Issuance:
Mandatory: Issuers Will Be Assigned 2 Series BINs A number of issuers may be assigned 2 series BINs beginning 1 January 2017. All issuers should expect to be assigned 2 series BINs as of 31 December 2017 and must ensure readiness.

General

Question Answer
1 What are the primary factors driving the introduction of the 2 series BINs? There are a number of factors behind this change:
  • Mastercard is focused on continuing to develop safe, simple, and smart ways for consumers to make payments through technologies like tokenization, which supports the rapid growth in payments and digital commerce.
  • Continued growth at Mastercard is supported by new technologies and constant innovation.
  • To ensure transaction acceptance now and in the future, Mastercard is developing key initiatives to support increased transaction volume in the future.
2 Why did Mastercard not consider adding BINs in the 5 Series instead of BINs in the 2 Series? A sufficiently large, contiguous block of BINs was not available in the existing 5 series BINs. BINs are assigned by the International Organization for Standardization (ISO) to Mastercard as a block holder under ISO 7812. ISO provided the 50,000 block of additional BINs to Mastercard for the new 2 series BIN range.
3 Will 2 series BINs be available globally? Yes, there are no restrictions on geography for the assignment and use of the 2 series BINs.
4 Are the 2 series BINs available for all product categories including consumer and commercial? Yes, the 2 series BINs will be applicable to all products types in the same manner as the 51–55 BINs. Consumer Credit, Consumer Debit, Consumer Prepaid, Commercial Credit, Commercial Debit and Commercial Prepaid are examples of the product types that will support the new 2 series BINs. The 2 series BINs will be used in an identical manner as the 51–55 BIN range.
5 Is there any consideration given to use the 2 Series BINs as tokens? This will provide distinction in the system for real BINs using the 5 Series and token BINs using the 2 Series. The new 2 series BINs will be used as traditional BINs as well as token BINs. The ecosystem will be ready to support 2 series BINs by october 2016. Token BINs from within the 51–55 series are already assigned, thus this distinction is not possible.
6 Is there a possibility that additional Mastercard BIN ranges will be introduced in future? Currently, there are no plans to introduce new BINs other than the 2 series BINs. Mastercard will continue to evaluate its business and make changes to BIN deployment and usage when necessary or appropriate.
7 Are there any differences between 2 Series and 5 Series BINs other than their number? No. There are no differences between the 2 Series and 5 series BINs. Both the 2 series and 5 series BINs are Mastercard branded BINs and will have the same features, products available, and drive the same behavior from acceptance as well as issuance perspective.

Compliance

Question Answer
1 Is there any monitoring of merchants to determine if they are able to recognize and handle the 2 series BINs? To facilitate effective field testing and compliance, acquirers must provide quarterly Market Readiness Reports to Mastercard. This reporting will demonstrate the acquirer’s progress toward achieving compliance with the payments ecosystem readiness mandate, and will contain a status report for all service providers, ATMs, and merchants identified by Mastercard as “2 Series BIN Critical.”

Customer reporting will begin April 2016 for first quarter 2016 and will be due on the fifteenth day of the month following the end of each calendar quarter (15 April, 15 July, 15 October, and 15 January). Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
2 What if the payments ecosystem is not ready? Mastercard will conduct field testing to confirm merchant and ATM readiness of 2 series BIN range acceptance as of 30 June 2017. Mastercard may begin field testing prior to this date depending on merchant and ATM readiness as reported in acquirer Market Readiness Reports.

Mastercard will escalate any reported acceptance issues observed during field testing to the acquirer of record for immediate resolution.

Failure to accept a 2 series BIN card by 30 June 2017 may result in Category A noncompliance assessments for each noncompliant merchant and ATM location until compliance is achieved.

Mastercard is introducing a new series of International Organization for Standardization (ISO) bank identification numbers (BINs) that will begin with 2 (2XXXXX-XXXXX9), which will be referred to as 2 series BINs. Mastercard is providing this information to allow sufficient time for future implementation.

Login Credentials are required to access the Mastercard 2-Series BIN Ordering Portal. To request login credentials please contact your Mastercard representative or send your inquiry to the Mastercard Series-2 BIN Mailbox at 2Series_Test_Cards@mastercard.com

The 2 series Live/Production cards for testing enclosed are for terminal testing and host application transaction routing testing purposes. Terminal testing is just another tool in our toolkit of solutions designed to streamline the processes necessary to implement and support 2 Series BIN. The Live/production cards for testing supports the Authorization and Clearing testing within the Production test environment.

The Live/production cards for testing have the following features:

  • Non-reloadable gift cards (no KYC)
  • EMV Dual interface (contact and contactless chip)
  • Online PIN capability (PIN = last 4 digits of PAN, Production test card)
  • No hologram or signature panel
  • Amount to be loaded $5 -$500 USD
  • Non-refundable & No Chargeback rights
  • The Authorization message will receive a response (approval or decline) from the issuer based on the available funds and other criteria as defined by the issuer
  • Production cards will ship within 48 hours from the time of order subject to available inventory via FedEx with tracking info

Frequently Asked Questions

Billing Address for Ecommerce Transactions

Use the following name and billing address for Ecommerce transactions:

BIN-2 Production Card
2200 Mastercard Blvd
O'fallon MO, 63368
USA

Summary of Key Effective Dates

The following table shows tentative key effective dates and milestones related to Mastercard 2 series BIN range implementation. This implementation will happen in an incremental process.

Date Milestone Action
Present—14 October 2016 Host Testing:
Mandatory: Offline Host Testing with Mastercard by Self-Processing Acquirers and Third Party Processors (TPPs) Self-processing acquirers and TPPs must schedule and complete offline host testing with Mastercard within the mandated time frame. Failure to complete host testing by 14 October 2016 may result in Category A noncompliance assessments of up to USD 25,000 (BRL 60,000 for customers in Brazil) per month until host testing is completed.
Strongly Recommended: Offline Host Testing with Mastercard by Self-Processing Issuers Mastercard strongly encourages self-processing issuers to complete host testing with Mastercard to ensure readiness to issue and fully support the 2 series BIN range. U.S. and Canada region customers should contact Customer Implementation Services (CIS) Customer Testing at the email address shown below to schedule host testing: Email: 2Series_Test_Cards@mastercard.com Customers in all other regions should contact their Customer Delivery account representative to schedule host testing with Mastercard.
Present—14 October 2016 Ecosystem Testing:
Strongly Recommended: Acquirer, Processor, and Issuer Internal and Downstream Ecosystem Testing All customers should complete internal system testing and downstream ecosystem testing to validate readiness (for example, value-added resellers [VARs], independent sales organizations [ISOs], processors, payment facilitators, gateway providers, software vendors, back-end support, and reporting). This effort may also include merchant and ATM field testing.
15 April 2016 Readiness Reporting:
Mandatory: Acquirer Market Readiness Reporting Begins All acquirers must begin providing quarterly Market Readiness Reports to Mastercard. Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
14 October 2016 Ecosystem Readiness:
Mandatory: Payments Ecosystem 2 Series BIN Readiness Date All issuer and acquirer internal and external ecosystems must be fully able to process 2 series BIN transactions.
30 June 2017 Field Testing and Compliance:
Mandatory: Mastercard Merchant and ATM Field Testing and Compliance Begins Mastercard will conduct merchant and ATM field testing to validate 2 series BIN acceptance and enforce compliance. Field testing may commence earlier depending on merchant and ATM readiness as reported in acquirer Market Readiness Reports. Failure to accept a 2 series BIN card by 30 June 2017 may result in Category A noncompliance assessments for each noncompliant merchant and ATM location until compliance is achieved.
2017 and Beyond 2 Series BIN Issuance:
Mandatory: Issuers Will Be Assigned 2 Series BINs A number of issuers may be assigned 2 series BINs beginning 1 January 2017. All issuers should expect to be assigned 2 series BINs as of 31 December 2017 and must ensure readiness.
Date Milestone Action
Present—14 October 2016 Host Testing:
Mandatory: Offline Host Testing with Mastercard by Self-Processing Acquirers and Third Party Processors (TPPs) Self-processing acquirers and TPPs must schedule and complete offline host testing with Mastercard within the mandated time frame. Failure to complete host testing by 14 October 2016 may result in Category A noncompliance assessments of up to USD 25,000 (BRL 60,000 for customers in Brazil) per month until host testing is completed.
Strongly Recommended: Offline Host Testing with Mastercard by Self-Processing Issuers Mastercard strongly encourages self-processing issuers to complete host testing with Mastercard to ensure readiness to issue and fully support the 2 series BIN range. U.S. and Canada region customers should contact Customer Implementation Services (CIS) Customer Testing at the email address shown below to schedule host testing: Email: 2series_testing@mastercard.com Customers in all other regions should contact their Customer Delivery account representative to schedule host testing with Mastercard.
Present—14 October 2016 Ecosystem Testing:
Strongly Recommended: Acquirer, Processor, and Issuer Internal and Downstream Ecosystem Testing All customers should complete internal system testing and downstream ecosystem testing to validate readiness (for example, value-added resellers [VARs], independent sales organizations [ISOs], processors, payment facilitators, gateway providers, software vendors, back-end support, and reporting). This effort may also include merchant and ATM field testing.
15 April 2016 Readiness Reporting:
Mandatory: Acquirer Market Readiness Reporting Begins All acquirers must begin providing quarterly Market Readiness Reports to Mastercard. Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
14 October 2016 Ecosystem Readiness:
Mandatory: Payments Ecosystem 2 Series BIN Readiness Date All issuer and acquirer internal and external ecosystems must be fully able to process 2 series BIN transactions.
30 June 2017 Field Testing and Compliance:
Mandatory: Mastercard Merchant and ATM Field Testing and Compliance Begins Mastercard will conduct merchant and ATM field testing to validate 2 series BIN acceptance and enforce compliance. Field testing may commence earlier depending on merchant and ATM readiness as reported in acquirer Market Readiness Reports. Failure to accept a 2 series BIN card by 30 June 2017 may result in Category A noncompliance assessments for each noncompliant merchant and ATM location until compliance is achieved.
2017 and Beyond 2 Series BIN Issuance:
Mandatory: Issuers Will Be Assigned 2 Series BINs A number of issuers may be assigned 2 series BINs beginning 1 January 2017. All issuers should expect to be assigned 2 series BINs as of 31 December 2017 and must ensure readiness.

General

Question Answer
1 What are the primary factors driving the introduction of the 2 series BINs? There are a number of factors behind this change:
  • Mastercard is focused on continuing to develop safe, simple, and smart ways for consumers to make payments through technologies like tokenization, which supports the rapid growth in payments and digital commerce.
  • Continued growth at Mastercard is supported by new technologies and constant innovation.
  • To ensure transaction acceptance now and in the future, Mastercard is developing key initiatives to support increased transaction volume in the future.
2 Why did Mastercard not consider adding BINs in the 5 Series instead of BINs in the 2 Series? A sufficiently large, contiguous block of BINs was not available in the existing 5 series BINs. BINs are assigned by the International Organization for Standardization (ISO) to Mastercard as a block holder under ISO 7812. ISO provided the 50,000 block of additional BINs to Mastercard for the new 2 series BIN range.
3 Will 2 series BINs be available globally? Yes, there are no restrictions on geography for the assignment and use of the 2 series BINs.
4 Are the 2 series BINs available for all product categories including consumer and commercial? Yes, the 2 series BINs will be applicable to all products types in the same manner as the 51–55 BINs. Consumer Credit, Consumer Debit, Consumer Prepaid, Commercial Credit, Commercial Debit and Commercial Prepaid are examples of the product types that will support the new 2 series BINs. The 2 series BINs will be used in an identical manner as the 51–55 BIN range.
5 Is there any consideration given to use the 2 Series BINs as tokens? This will provide distinction in the system for real BINs using the 5 Series and token BINs using the 2 Series. The new 2 series BINs will be used as traditional BINs as well as token BINs. The ecosystem will be ready to support 2 series BINs by october 2016. Token BINs from within the 51–55 series are already assigned, thus this distinction is not possible.
6 Is there a possibility that additional Mastercard BIN ranges will be introduced in future? Currently, there are no plans to introduce new BINs other than the 2 series BINs. Mastercard will continue to evaluate its business and make changes to BIN deployment and usage when necessary or appropriate.
7 Are there any differences between 2 Series and 5 Series BINs other than their number? No. There are no differences between the 2 Series and 5 series BINs. Both the 2 series and 5 series BINs are Mastercard branded BINs and will have the same features, products available, and drive the same behavior from acceptance as well as issuance perspective.
8 Is there monitoring of merchants to determine if they are able to recognize and handle the 2 series BINs? To facilitate effective field testing and compliance, acquirers must provide quarterly Market Readiness Reports to Mastercard. This reporting will demonstrate the acquirer’s progress toward achieving compliance with the payments ecosystem readiness mandate, and will contain a status report for all service providers, ATMs, and merchants identified by Mastercard as “2 Series BIN Critical.” Customer reporting will begin April 2016 for first quarter 2016 and will be due on the fifteenth day of the month following the end of each calendar quarter (15 April, 15 July, 15 October, and 15 January). Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
9 Where can I use my 2 Series LIVE prepaid test card? These LIVE prepaid cards can be used at ATMs, point-of-sale (POS) terminals, transit, and electronic commerce application.

Compliance

Question Answer
1 Is there any monitoring of merchants to determine if they are able to recognize and handle the 2 series BINs? To facilitate effective field testing and compliance, acquirers must provide quarterly Market Readiness Reports to Mastercard. This reporting will demonstrate the acquirer’s progress toward achieving compliance with the payments ecosystem readiness mandate, and will contain a status report for all service providers, ATMs, and merchants identified by Mastercard as “2 Series BIN Critical.”

Customer reporting will begin April 2016 for first quarter 2016 and will be due on the fifteenth day of the month following the end of each calendar quarter (15 April, 15 July, 15 October, and 15 January). Failure to provide Market Readiness Reports may result in Category C noncompliance assessments of up to USD 15,000 (BRL 35,000 for customers in Brazil) per month.
2 What if the payments ecosystem is not ready? Mastercard will conduct field testing to confirm merchant and ATM readiness of 2 series BIN range acceptance as of 30 June 2017. Mastercard may begin field testing prior to this date depending on merchant and ATM readiness as reported in acquirer Market Readiness Reports.

Mastercard will escalate any reported acceptance issues observed during field testing to the acquirer of record for immediate resolution.

Failure to accept a 2 series BIN card by 30 June 2017 may result in Category A noncompliance assessments for each noncompliant merchant and ATM location until compliance is achieved.