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So from the above example the bin is 486236 Let’s find out what is VBV / NON VBV / MSC : VBV(Verified by Visa) Extra verification process initially added by visa, there are different types of authentication used, most notably would be a password, date of birth, social security number, or mothers maiden name. Will send OTP to CC owner mobile No. or need secret Password when doing transaction in any process.