BIN 412331
INTL HDQTRS-CENTER OWNED • GUAM • VISA
About BIN 412331
BIN 412331 is a VISA credit card operating on the CLASSIC payment network, issued by INTL HDQTRS-CENTER OWNED in GUAM (GU). The default settlement currency for this card is Unknown. This is not a prepaid card — it is linked to a standard bank account or credit facility. Card numbers beginning with this BIN pass the Luhn algorithm validation, confirming they are structurally valid card numbers.
Frequently Asked Questions
What is BIN 412331?
A Bank Identification Number (BIN), also called an Issuer Identification Number (IIN), is the first 6–8 digits of a payment card. BIN 412331 identifies INTL HDQTRS-CENTER OWNED as the issuing institution for cards carrying this prefix. These digits tell payment processors which bank issued the card before the full transaction is initiated.
Which bank issued BIN 412331?
BIN 412331 was issued by INTL HDQTRS-CENTER OWNED, a financial institution operating in GUAM.
In which country is BIN 412331 registered?
BIN 412331 is registered in GUAM (country code: GU). The issuing bank, INTL HDQTRS-CENTER OWNED, holds the licence to issue cards under this BIN range in GUAM. Transactions on these cards typically involve GUAM-based banking and settlement infrastructure.
Is BIN 412331 a credit, debit, or prepaid card?
BIN 412331 belongs to the credit card category. This is not a prepaid card, so it is linked to a standard bank account or approved credit facility.
What payment network does BIN 412331 use?
BIN 412331 operates on the VISA payment network using the CLASSIC card scheme. This means all transactions made with cards carrying this BIN are routed and processed through VISA's global payment infrastructure.
What currency is associated with BIN 412331?
The primary currency associated with BIN 412331 is Unknown. This is the currency in which domestic transactions are typically billed for cards under this BIN range when used in GUAM. International transactions may involve currency conversion depending on the merchant's country.
Does BIN 412331 pass the Luhn check?
Yes — card numbers beginning with BIN 412331 pass the Luhn algorithm. The Luhn algorithm is a standard checksum formula used by payment systems to detect miskeyed or structurally invalid card numbers. A passing result confirms the number range is mathematically valid.
