Understanding Credit Card Product Types in Braintree

Every time you retrieve a transaction in Braintree, you’ll get a credit card object with the attribute product_id. It tends to be pretty cryptic and only a few characters long.

credit_card: {
    bin: "000000", 
    card_type: "Visa", 
    cardholder_name: "Chariot Customer", 
    commercial: "No",
    prepaid: "Yes",
    debit: "Yes",
    product_id: "MPX"
}

As of this post, product_id isn’t described anywhere in the Braintree documentation, but it effectively tells you which credit product the customer is using (e.g. a classic Visa card vs. a Signature Preferred, Student Card, Corporate Fleet, etc.). Each has a corresponding code.

There are lots of really useful ways to apply this info. You could use the product id to display a visual representation of the customer’s card, or to figure out who your corporate buyers are and target them differently from the marketing side.

At Chariot, we wanted to encourage our riders to take advantage of pre-tax transit benefits, usually via a prepaid debit card. These cards are issued by the employer and valid for any transit-related expense. The percentage of transactions made with this type of card is a great data point for us, because it’s a proxy for how many of our customers use their benefits. Knowing whether a card’s type is flex benefits can also help us provide better customer support. If a Chariot rider contacts us about a failed transaction, and the declined card was an MPX (employer-issued transit benefits), we’ll give the customer a different set of advice than if they were trying to buy with a C (personal credit card).

The only problem? The product_id codes are useless if you don’t know what they mean. I didn’t see a full list available online, so I called up a couple of major payment processors and asked them for a description of each product code. The following codes are flex benefits cards: J3, MPV, and MPX. This list will be updated if I see anything missing:

  • A Visa Traditional
  • AX1 American Express
  • B Visa Traditional Rewards
  • C Visa Signature
  • D Visa Signature Preferred
  • D1 Discover
  • E–F Reserved
  • G Visa Business
  • G1 Visa Signature Business
  • G2 Visa Business Check Card
  • G3 Visa Business Enhanced
  • H Visa Check Card
  • I Reserved
  • J Reserved
  • J1 Visa General Prepaid
  • J2 Visa Prepaid Gift
  • J3 Visa Prepaid Benefits
  • J4 Visa Prepaid Commercial
  • K Visa Corporate
  • K1 Visa GSA Corporate T&E
  • L Reserved
  • M MasterCard/EuroCard
  • N–P Reserved
  • Q Private Label
  • Q1 Private Label Prepaid
  • R Proprietary
  • S Visa Purchasing
  • S1 Visa Purchasing with Fleet
  • S2 Visa GSA Purchasing
  • S3 Visa GSA Purchasing with Fleet
  • T Reserved
  • U Visa TravelMoney
  • V1 Reserved
  • W–Z Reserved
  • O–9 Reserved
  • ACQ Acquiring Only
  • CIR Cirrus
  • DLG Debit MasterCard Gold—Delayed Debit
  • DLH Debit MasterCard World Embossed—Delayed Debit
  • DLI Debit MasterCard Standard ISIC Student Card—Delayed Debit
  • DLS Debit MasterCard Card—Delayed Debit
  • MAB World Elite MasterCard Business
  • MAC MasterCard Corporate World Elite
  • MBD MasterCard Professional Debit Business Card
  • MBE MasterCard Electronic Business Card
  • MBK MasterCard Black
  • MCA MasterCard Electronic Basic Card
  • MCB MasterCard BusinessCard Card MasterCard Corporate Card
  • MCE MasterCard Electronic Card
  • MCF MasterCard Corporate Fleet Card
  • MCG Gold MasterCard Card
  • MCH MasterCard Premium Charge
  • MCM MasterCard Corporate Meeting Card
  • MCO MasterCard Corporate
  • MCP MasterCard Corporate Purchasing Card
  • MCS MasterCard Standard Card
  • MCT Titanium MasterCard
  • MCU MasterCard Unembossed
  • MCV Merchant-Branded Program
  • MCW World MasterCard Card
  • MDB Debit MasterCard BusinessCard Card
  • MDG Debit Gold MasterCard
  • MDH World Debit Embossed
  • MDJ Debit- Debit Other 2 Embossed
  • MDL Business Debit Other Embossed
  • MDM Middle Market Fleet Card
  • MDN Middle Market Purchasing Card
  • MDO Debit MasterCard Other
  • MDP Debit MasterCard Platinum
  • MDQ Middle Market Corporate Card
  • MDS Debit MasterCard
  • MDT MasterCard Business Debit
  • MDU Debit MasterCard Unembossed
  • MEB MasterCard Executive BusinessCard Card
  • MEC MasterCard Electronic Commercial
  • MED Debit MasterCard Electronic
  • MEF MasterCard Electronic Payment Account
  • MEO MasterCard Corporate Executive Card
  • MEP Premium Debit MasterCard
  • MFB Flex World Elite
  • MFD Flex Platinum
  • MFE Flex charge World Elite
  • MFH Flex World
  • MFL Flex Charge Platinum
  • MFW Flex Charge World
  • MGF MasterCard Government Commercial Card
  • MHA MasterCard Healthcare Prepaid Non-tax
  • MHB MasterCard HAS Substantiated
  • NHC MasterCard Healthcare Credit Non-substantiated
  • MHH MasterCard Unembossed Prepaid Student card
  • MIB MasterCard Credit Electronic Student Card
  • MIC MasterCard Credit Standard Student Card
  • MID MasterCard Debit Unembossed Student Card
  • MIG MasterCard Credit Umembossed Student Card
  • MIH MasterCard Electronic Consumer Non U.S. Student Card
  • MIJ MasterCard Debit Unembossed Non U.S. Student Card
  • MIK MasterCard Electronic Consumer Prepaid Non U.S Student Card
  • MIL MasterCard Unembossed Prepaid Non U.S Student Card
  • MIP MasterCard Debit Prepaid Student Card
  • MIS MasterCard Debit Standard Student Card
  • MIU Debit MasterCard Unembossed Outside US
  • MLA MasterCard Central Travel Solutions Air
  • MLC MasterCard Micro-Business Card
  • MLD MasterCard Distribution Card
  • MLL MasterCard Central Travel Solutions Land
  • MNF MasterCard Public Sector Commercial Card
  • MNW World MasterCard Card (Europe)
  • MOW World Maestro
  • MPA Prepaid MasterCard Payroll Card
  • MPB MasterCard Preferred BusinessCard
  • MPC MasterCard Professional Card
  • MPF Prepaid MasterCard Gift Card
  • MPG Prepaid MasterCard Consumer Reloadable Card
  • MPJ Prepaid Debit MasterCard Card Gold
  • MPK Prepaid MasterCard Government Commercial Card
  • MPL Platinum MasterCard Card
  • MPM Prepaid MasterCard Consumer Promotion Card
  • MPN Prepaid MasterCard Insurance Card
  • MPO Prepaid MasterCard Other Card
  • MPR Prepaid MasterCard Travel Card
  • MPT Prepaid MasterCard Teen Card
  • MPV Prepaid MasterCard Government Benefit Card
  • MPW Prepaid MasterCard Corporate Card
  • MPX Prepaid MasterCard Flex Benefit Card
  • MPY Prepaid MasterCard Employee Incentive Card
  • MPZ Prepaid MasterCard Emergency Assistance Card
  • MRB Prepaid MasterCard Electronic BusinessCard
  • MRC Prepaid MasterCard Electronic Card
  • MRF Standard Deferred
  • MRG Prepaid MasterCard Card Outside US
  • MRH MasterCard Platinum Prepaid Travel Card
  • MRJ Prepaid MasterCard Gold Card
  • MRL Prepaid MasterCard Electronic Commercial
  • MRK Prepaid MasterCard Public Sector Commercial Card
  • MRO MasterCard Rewards Only
  • MRP Standard Retailer Centric Payments
  • MRS Prepaid MasterCard ISIC Student Card
  • MRW Prepaid MasterCard BusinessCard Credit Outside US
  • MSD Deferred Debit MasterCard
  • MUP Premium Debit MasterCard Unembossed
  • MUS Prepaid MasterCard Unembossed US
  • MUW MasterCard World Domestic Affluent
  • MWB World MasterCard for Business
  • MWD World Deferred
  • MWE MasterCard World Elite
  • MWO MasterCard Corporate World
  • MWR World Retailer Centric Payment
  • PVA Private Label 1
  • PVB Private Label 2
  • PVC Private Label 3
  • PVD Private Label 4
  • PVE Private Label 5
  • PVF Private Label 6
  • PVG Private Label 7
  • PVH Private Label 8
  • PVI Private Label 9
  • PVJ Private Label 10
  • SUR Prepaid MasterCard Unembossed Outside US
  • TBE Business—Immediate Debit
  • TCB MasterCard Business Card — Immediate Debit
  • TCC MasterCard (Mixed BIN) — Immediate Debit
  • TCE MasterCard Electronic — Immediate Debit
  • TCF MasterCard Fleet Card — Immediate Debit
  • TCG Gold MasterCard Card — Immediate Debit
  • TCO MasterCard Corporate — Immediate Debit
  • TCP MasterCard Purchasing Card — Immediate Debit
  • TCS MasterCard Standard Card — Immediate Debit
  • TCW World Signia MasterCard Card — Immediate Debit
  • TDN Middle Market MasterCard Purchasing Card — Immediate Debit
  • TEB MasterCard Executive BusinessCard Card — Immediate Debit
  • TEC MasterCard Electronic Commercial — Immediate Debit
  • TEO MasterCard Corporate Executive Card — Immediate Debit
  • TIB ISIC MasterCard Electronic Student Card — Immediate Debit
  • TIC ISIC MasterCard Standard Student Card — Immediate Debit
  • TIU MasterCard Unembossed — Immediate Debit
  • TLA MasterCard Central Travel Solutions Air — Immediate Debit
  • TNF MasterCard Public Sector Commercial Card — Immediate Debit
  • TNW MasterCard New World — Immediate Debit
  • TPB MasterCard Preferred Business Card — Immediate Debit
  • TPC MasterCard Professional Card — Immediate Debit
  • TPL Platinum MasterCard — Immediate Debit
  • VISA DEBIT Visa Debit