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The BIN table said debit. The issuer said credit.

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Added card-surcharging logic for a US merchant: debit cards skip the 3% fee, credit cards get it, per the usual state rules. Classification ran off a static BIN range table refreshed quarterly from our processor. Surcharge complaints started trickling in — cardholders insisting their debit card got charged a credit surcharge. Pulled the flagged transactions: roughly 1 in 180 had a BIN that our table listed as credit, but the issuer's own authorization response carried a debit indicator in the response fields. Turns out prepaid and co-branded cards get reissued under ranges that shift between d

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