Compromised Credit Card API

In today’s connected landscape, ISP and cable providers manage extensive volumes of sensitive customer data – including stored credit cards for monthly service billing, device purchases, and bundled media subscriptions. Many providers also partner with banks to issue co-branded credit cards, giving subscribers rewards and discounts on services. These cards, however, are not immune to cybercriminal activity.

ISP and cable providers 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.

**Providers can directly monitor their co-branded cards **via BINs (Bank Identification Numbers) to detect exposure early and intervene before damage is done.

By identifying compromised cards in circulation, ISP and cable providers can:

• Prevent fraudulent purchases of modems, routers, streaming devices, and other hardware.
• Reduce chargebacks from unauthorized service activations or premium content purchases.
• Flag accounts at risk based on exposed payment credentials.
• Support investigations into coordinated fraud attacks that target subscription and equipment fraud.

📡 SpyCloud’s Credit Card Intelligence for ISPs & Cable Providers

SpyCloud provides unique visibility into recaptured credit card data – specifically cards being actively trafficked by cybercriminals and highly likely to be used for fraud.

With SpyCloud’s Compromised Credit Card API, risk and fraud teams can:

• Access exposed card records linked to their co-branded card BINs.
• Integrate exposure alerts into billing systems and fraud scoring engines.
• Block, verify, or flag transactions tied to compromised cards at critical stages (signup, upgrade, auto-pay).

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By stopping fraud tied to compromised cards, ISPs and cable providers protect both their revenue streams and subscriber relationships.

⚙️ How the Credit Card BIN API Works

SpyCloud’s Compromised Credit Card API enables automated detection of exposed credit cards via a RESTful JSON API. Organizations query the endpoint with one or more 6-digit BINs (up to 10 per request) and receive:

• SHA1-hashed card numbers
• Exposure source metadata (e.g., breach, phishing, malware)
• Timestamps of compromise
• Other relevant contextual data

Common use cases include:

• Flagging at-risk cards during billing setup or checkout flows.
• Requiring verification or re-issuance of co-branded cards used in recent fraud attempts.
• Monitoring for bulk exposures that could indicate card program abuse or a targeted phishing campaign.

🗃️ Data Sources

SpyCloud researchers continuously ingest compromised card data from:

• Malware-infected devices (including subscriber phones, infected support agents' machines, or POS terminals).
• Phishing kits targeting ISP or cable-branded payment pages.
• Data breaches impacting telecom or third-party billing/fulfillment vendors.

This proactive threat intelligence gives fraud teams the chance to act before damage is done – stopping fraudulent charges, device losses, and support escalation.

📣 Why This Matters for ISP & Cable Providers

Credit card fraud in this sector has tangible and escalating consequences:

• Device fraud and inventory loss from fake orders or upgrades.
• Revenue disruption from chargebacks and delayed payments.
• Reputational risk with banking partners or card networks.
• Higher support costs from account lockouts and payment disputes.

When customers are proactively alerted that their co-branded card has been compromised – even without active fraud – they feel:

• Protected and prioritized
• More loyal to their service provider
• Motivated to update their payment methods quickly and securely

🎯 Key Benefits for ISP & Cable Providers

• Reduce fraud losses and chargebacks linked to card misuse
• Block exposed cards in real time before service is delivered
• Improve fraud models with verified card exposure intelligence
• Enable proactive customer outreach around card replacement and protection
• Support investigations into account takeovers and fraud rings targeting ISP credit products