International BIN Filtering

An examination of your historical fraud data may show a high percentage of fraudulent transactions originating from cards issued outside the United States. You can limit your exposure to this type of fraud by taking advantage of the International Card Filtering Service. This feature allows you to filter Mastercard and Visa cards originating in either all non-US countries or selected foreign countries based upon the country of the card issuer.

If you elect to use this feature, when you submit an Authorization/Sale transaction, the system determines the country of origin of the card. If the card originates outside the United States and you have elected to filter all international cards, the system declines the transaction. Likewise, if you have elected to filter a specific country or countries and the card originates from a designated country, the system declines the transaction. Upon a decline, the system returns a Response Reason Code of 312 - Restricted Card - International Card Filtering Service.

You can override your settings on a transactional basis by including the <international> element set to false when you submit the Authorization/Sale transaction. In this case, the system ignores the filtering service and processes the transaction normally.