Compromised Credit Card API

In today’s digital-first travel economy, hospitality and travel brands manage high volumes of sensitive guest data – including stored credit cards for bookings, upgrades, in-app purchases, and loyalty redemptions. Many providers also partner with banks to issue co-branded credit cards, offering rewards such as free nights, airline miles, and elite status. These cards, however, are frequent targets for cybercriminals.

Travel and hospitality companies can reduce fraud losses and increase guest trust by monitoring compromised credit cards – including card numbers, expiration dates, and CVVs exposed through data breaches or sold on dark web marketplaces. When integrated into fraud prevention systems, this intelligence acts as an early risk signal, allowing your organization to act before fraudulent transactions occur.

Providers can monitor their co-branded cards directly by BINs (Bank Identification Numbers) to identify exposures early and take preventative action.

By identifying compromised cards circulating in the wild, travel and hospitality companies can:

• Prevent fraudulent bookings, upgrades, or add-on purchases using stolen credentials
• Reduce chargebacks associated with unauthorized travel services or loyalty redemptions
• Flag at-risk loyalty or guest accounts tied to compromised payment methods
• Support investigations into fraud rings abusing travel benefits and card programs

🧠 SpyCloud’s Credit Card Intelligence for Travel & Hospitality

SpyCloud delivers unmatched visibility into recaptured credit card data – specifically cards actively circulating among cybercriminals and likely to be used in fraudulent transactions.

With the SpyCloud Compromised Credit Card API, travel and loyalty fraud teams can:

• Access records of exposed credit cards linked to their co-branded BINs
• Integrate card exposure intelligence into reservation, loyalty, and fraud detection systems
• Block, verify, or flag transactions tied to compromised cards at booking, check-in, or checkout

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By stopping fraud tied to compromised cards, travel brands preserve guest trust and protect revenue across digital and physical touchpoints.

⚙️ How the Credit Card BIN API Works

The SpyCloud Compromised Credit Card API enables automated, real-time detection of exposed credit cards through a RESTful JSON API.

Your team can query the endpoint with one or more 6-digit BINs (up to 10 per request) and receive:

• SHA1-hashed card numbers
• Source metadata (e.g., phishing kits, malware logs, or breach dumps)
• Timestamps of compromise
• Additional contextual indicators

At a glance

🧪 Common Use Cases

• Flagging exposed cards during checkout, online booking, or payment method updates
• Triggering re-verification or reissuance of co-branded travel cards tied to risky accounts
• Monitoring for large-scale exposures indicative of program abuse or targeted phishing campaigns

🗃️ Data Sources

SpyCloud aggregates compromised card data from:

• Malware-infected devices, such as guest phones, kiosks, or hotel POS systems
• Phishing kits impersonating airline, hotel, or OTA payment pages
• Data breaches targeting travel providers, partners, or third-party payment processors

This proactive threat intelligence enables your fraud and security teams to respond before damage is done, stopping fraudulent charges, loyalty theft, and operational disruption.

📣 Why This Matters for Travel & Hospitality Providers

Credit card fraud in travel leads to real-world impacts:

• Fraudulent bookings using stolen cards result in lost room nights, no-show inventory waste, or service abuse
• Chargebacks from unrecognized charges drive up operational costs and payment network risk
• Reputational damage with issuing banks or loyalty members can erode brand trust
• Increased support costs tied to account lockouts, refunds, and fraud response

When guests are proactively notified that their co-branded card is at risk – even if fraud hasn't occurred – they feel:

• Protected and prioritized
• More loyal to a brand that values their financial safety
• Encouraged to update their payment method proactively

🎯 Key Benefits for Travel & Hospitality Companies

• Reduce fraud and chargebacks linked to stolen card usage
• Stop unauthorized transactions tied to loyalty or booking systems
• Improve fraud detection models using verified card exposure intelligence
• Enhance guest communications around card security and replacement
• Support investigations into fraud campaigns targeting your card programs