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Bin number, as others have mentioned. Key is to utilize an upto date DB to catch most of them; some will still slipthrough, and conversely some credit cards will get wrongly flagged.
I wonder if 3rd party processors like CCBill offer such a debit / credit filtering service?
Technically, at least according to some folks, merchants are not supposed to differentiate between debit / credit - they are to be treated the same ... if that's true? ... then 3rd party processors likely don't provide such a filter for affiliates ... anyone know?
In regards to pre-auth, the advantage of doing them is to catch fraud. Pre-auth for the amount and then scrub again (sometimes a transaction will pass initial scrub, but a pre-auth provides more info and time to run a secondary scrub later on) prior to capture - much cheaper to toss out "questionable" transactions prior to capture than after.
IMHO, best to pre-auth only for the amount of the trial, and nothing more. Otherwise some surfers will get hit with over-limit / over-draft fees, and that will increase CBs / customer complaints.
Ron
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Domagon - Website Management and Domain Name Sales
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