Compromised Credit Card API

In today’s healthcare ecosystem, providers manage extensive volumes of sensitive patient and administrative data – including stored credit cards used for copays, recurring medical billing, pharmacy payments, and telehealth services. Many healthcare systems also partner with financial institutions to issue co-branded credit cards, offering rewards, financing options, or health spending incentives. These cards, however, are not immune to cybercriminal misuse.

Healthcare providers can reduce fraud losses and enhance patient trust by actively monitoring compromised credit cards – including card numbers, expiration dates, and CVVs exposed via data breaches or dark web marketplaces. When this intelligence is integrated into fraud detection systems and revenue cycle operations, it serves as a proactive risk signal, enabling healthcare organizations to act before fraud is realized.

Providers can monitor their co-branded credit cards via Bank Identification Numbers (BINs) to detect exposure early and mitigate potential abuse.

By identifying compromised cards in circulation, healthcare organizations can:

• Prevent fraudulent payments for services, prescriptions, or medical devices.
• Reduce chargebacks tied to unauthorized transactions or identity misuse.
• Flag patient accounts at risk based on compromised payment credentials.
• Support investigations into coordinated fraud schemes targeting healthcare billing systems.

🧠 SpyCloud’s Credit Card Intelligence for Healthcare

SpyCloud provides unmatched visibility into recaptured credit card data – specifically cards being actively distributed among cybercriminal networks and highly likely to be used for fraud.

Using SpyCloud’s Compromised Credit Card API, healthcare billing and fraud teams can:

• Access exposed card records linked to their co-branded BINs.
• Feed exposure intelligence into payment processing, billing, and fraud prevention workflows.
• Block, verify, or flag transactions involving exposed cards before they lead to fraud.

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By disrupting card-based fraud attempts, healthcare providers safeguard patient payment data and maintain integrity in financial operations.

⚙️ How It Works

The SpyCloud Compromised Credit Card API enables automated detection of compromised credit cards through a RESTful JSON interface.

Healthcare organizations can query the API using one or more 6-digit BINs (up to 10 per request) and receive:

• SHA1-hashed credit card numbers
• Source metadata (e.g., breach, malware, phishing exposure)
• Timestamps of compromise
• Additional contextual data

At a glance

🧪 Example Use Cases

• Flagging compromised cards during new patient onboarding or online payment.
• Verifying payment method risk before submitting claims or recurring charges.
• Monitoring large-scale exposures to identify fraud trends or card abuse affecting your co-branded card program.

🗃️ Data Sources

SpyCloud researchers aggregate compromised card data from:

• Malware-infected devices (including patient phones or staff workstations).
• Phishing sites targeting healthcare payment portals.
• Breaches involving healthcare, pharmacy, or third-party billing vendors.

This intelligence allows healthcare fraud teams to act quickly and decisively, protecting both the organization and its patients from downstream financial harm.

📣 Why This Matters for Healthcare Providers

Credit card fraud in healthcare has serious implications:

• Misuse of co-branded cards to pay for unauthorized services or prescriptions.
• Revenue disruption due to chargebacks and billing disputes.
• Reputational harm with banking partners, card networks, or regulators.
• Strained support resources managing payment issues and patient communications.

When patients are proactively notified that their stored or co-branded card has been compromised – even if no fraud has occurred – they feel:

• Protected and respected by their provider
• Motivated to update their payment method securely
• More loyal to a healthcare brand that puts patient security first

🎯 Key Benefits for Healthcare Providers