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So from the above example the bin is 486236 Let’s find out what is VBV / NON VBV / MSC : VBV(Verified by Visa) Extra verification process initially added by visa, there are different types of authentication used, most notably would be a password, date of birth, social security number, or mothers maiden name. Will send OTP to CC owner mobile No. or need secret Password when doing transaction in any process. NON VBV(Verified by Visa) Easy to use. No need of more info about CC like DOB, SSN,...