Compromised Credit Card API

In today’s digital world, telecom providers handle a vast amount of sensitive subscriber data – including stored payment methods for postpaid plans, device financing, and digital content purchases. Many providers also partner with banks to issue co-branded credit cards, giving subscribers rewards and discounts on services. These cards, however, are

Telecom operators can reduce fraud losses and increase customer trust by monitoring compromised credit cards – including card numbers, expiration dates, and CVVs exposed via breaches or dark web markets. When this data is integrated into fraud detection systems, it serves as a proactive risk signal—allowing companies to act before fraud occurs.

By identifying and monitoring credit cards already in the hands of cybercriminals, telecom companies can:

• Prevent fraudulent purchases (e.g., devices, SIM cards, premium services).
• Reduce chargebacks and unauthorized payments.
• Preemptively flag high-risk accounts tied to compromised payment data.
• Support broader investigations into organized fraud rings targeting telecom services.

📡 SpyCloud’s Credit Card Intelligence for Telecom

SpyCloud provides deep visibility into recaptured credit card information – cards that are actively circulating among cybercriminals and carry a high risk of misuse.

This API enables telecom risk and fraud teams to:

• Access exposed card data linked to specific BINs (Bank Identification Numbers).
• Integrate threat intelligence into fraud prevention workflows.
• Cancel or require verification for transactions involving exposed cards.

By preventing fraudulent transactions tied to compromised cards, telecom providers can protect their revenue and preserve subscriber trust.

🧪 How It Works

The SpyCloud Compromised Credit Card API supports automated detection of exposed credit cards through a REST API. Queries are made by submitting one or multiple 6-digit BINs (up to 10 per request) to retrieve all associated credit card records for a specified timeframe.

Output includes: SHA1-hashed card numbers, exposure sources, timestamps, and metadata.

Use case: Automatically flag high-risk cards at point-of-sale or during recurring billing validation. Consider reissuing a new card.

At a glance

🗃️ Data Sources

SpyCloud researchers collect exposed card data from:

• Malware-infected devices (e.g., subscriber mobile phones, payment terminals)
• Phishing kits and fake telecom bill payment pages
• Data breaches targeting telecom or adjacent industries

This proactive threat intelligence equips telecom fraud teams with the tools to intervene before charges post or hardware is shipped fraudulently.

📣 Why This Matters for Telecom Providers

Credit card fraud in telecom can result in:

• Device losses from fraudulent handset or accessory purchases.
• Revenue loss from reversed service charges.
• Strained relationships with payment processors.
• Higher support costs tied to account remediation.

When telecom customers are proactively notified that their stored card is at risk—even if no fraud has yet occurred—they feel:

• Protected and valued by their provider
• Empowered to update their payment details securely
• More loyal to a brand that puts their financial safety first

🎯 Key Benefits for Telecom

• Reduce chargebacks and revenue leakage
• Block high-risk transactions before fulfillment
• Strengthen anti-fraud analytics by correlating card exposure to account behavior
• Enhance customer care with proactive communication about card security
• Support law enforcement or internal investigations into fraud rings