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It is important that you take the time to update your POS applications and PC software with the current Discover Network IIN (BIN) Ranges and then run tests to verify that your applications and software are coded properly to accept all Discover® Network Card types. Taking these steps will help prevent:
- Potential transaction failures
- Loss of sales due to merchant attrition
- Customer dissatisfaction
- Increase in VRU
- Help desk expenses
What does each test do?
It gives you the assurance that a Discover Network transaction will successfully route upstream to an Acquirer, Acquirer Processor or Merchant Processor for handling and routing to Discover Network through your POS applications and PC software.
Will all Discover Network products and features be enabled upon successful completion of the tests?
The tests will only confirm successful transmission of a Discover® Network Credit,
Debit and Prepaid Card. Check with your Processor to see if you are certified to support additional Discover Network products and features, including Discover Network Zip, Cash Over and Recurring Payments.
How can I run the tests?
First, join the VAR Connection. Then select Get IIN Enabled & Compliant and accept the terms of our Program Agreement. Finally, follow the steps for performing test transactions.
You will have two choices: you can either run your tests in a “live” environment with merchants, or you can test in your own test environment in conjunction with your Acquirer, Acquirer Processor or Merchant Processor.
How do I know if I successfully pass a test?
If you test with merchants, you will know that a test was successful if you receive a
decline message. Please remember that a decline message does not mean that your test was not successful. It means that Discover Network successfully received your authorization and declined it.
If you choose to test and simulate a live transaction in your own test environment, you will not receive a decline message. You will have to work with your Acquirer, Acquirer Processor or Merchant Processor to certify that your tests were successful. We’ll e-mail you a table to post your results, and then we’ll follow up with your Acquirer, Acquirer Processor or Merchant Processor.
Regardless of whether you conduct your tests with merchants or in your own test environment, we will post your name on the IIN Enabled & Compliant VAR List as soon as we are able to confirm that your tests were successful.
Please note that you will have to successfully test all of your POS applications and PC software for all IIN Ranges in order to be included on the IIN Enabled & Compliant VAR List. Also note that every time a new set of IIN requirements is posted by Discover Network, you will have to run another series of tests in order to stay compliant and keep your name on the IIN Enabled & Compliant VAR List.
Questions?
Send an e-mail to varconnection@discover.com if you have any questions regarding the tests or your test results.
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