FAQ Response
Truncation is a method of rendering a full PAN unreadable by permanently removing a segment of PAN data, and applies to PANs that are electronically stored (for example, in files, databases, etc.). Acceptable truncation formats for different PAN lengths are as follows: 16 digit PAN with 8 digit BIN 16 digit PAN with 6 digit BIN When using truncation formats for purposes other than storage, entities should confirm that their format is compatible with each of the applicable payment networks. Note: Access to different truncation formats of the same PAN greatly increases the ability to reconstruct full PAN, and the security value provided by an individual truncated PAN is significantly reduced. If the same PAN is truncated using more than one truncation format (for example, different truncation formats are used on different systems), additional controls should be in place to ensure that the truncated versions cannot be correlated to reconstruct additional digits of the original PAN. Acceptable PAN Truncation Formats PAN Length American Express Discover Mastercard JCB Visa > 16 digit PAN with 6 digit BIN N/A N/A At least 6 digits removed. Maximum digits which may be retained: 17-digit PAN: “First 6, any other 5” 18-digit PAN: “First 6, any other 6” 19-digit PAN: “First 6, any other 7” N/A At least 6 digits removed. Maximum digits which may be retained: 17-digit PAN: “First 6, any other 5” 18-digit PAN: “First 6, any other 6” 19-digit PAN: “First 6, any other 7”
N/A At least 6 digits removed. Maximum digits which may be retained: “First 6, any other 4” At least 6 digits removed. Maximum digits which may be retained: “First 6, any other 4" N/A At least 6 digits removed. Maximum digits which may be retained: “First 6, any other 4”
N/A At least 6 digits removed.
Maximum digits which may be retained: “First 6, any other 4”15 digit PAN At least 5 digits removed. Maximum digits which may be retained: “First 6, last 4”” N/A At least 5 digits removed. Maximum digits which may be retained: “First 6, any other 4”. N/A N/A < 15 digit PAN N/A Maximum digits which may be retained: “First 6, any other 4” N/A N/A
April 2018
Article Number 1091