How does Credit card exposure protect your company?
Credit card exposure continuously monitors the Deep and Dark Web to detect when your payment card portfolios are compromised and exposed across underground marketplaces, forums, and paste sites. By matching leaked credit card data against your monitored Bank Identification Numbers (BINs), the Axur Platform automatically identifies detections with complete evidence and context.
This proactive monitoring enables your fraud prevention and financial security teams to:
Detect compromised cards before fraudulent transactions occur - Identify exposed card data in near real-time, allowing immediate cardholder protection through reissuance or account blocking;
Investigate breach context and patterns – Access detailed information about when, where, and how card data was exposed to understand the scope of compromise and prioritize responses;
Reduce operational costs – Lower customer service workload, chargeback disputes, and reissuance expenses by responding rapidly to exposures;
Protect customer trust and brand reputation – Demonstrate proactive security posture by addressing threats before they affect cardholders;
By providing deep visibility into financial fraud risks and payment security threats, Credit card exposure empowers you to contain breaches, mitigate fraud, and respond faster than attackers can weaponize stolen card data.
Which companies benefit from this monitoring?
Credit card exposure is designed for organizations with payment card portfolios that require proactive breach monitoring and fraud prevention. Primary beneficiaries include:
Card-Issuing Financial Institutions – Banks and payment processors that issue credit or debit cards and need to detect when their card portfolios are compromised on the Dark Web, enabling rapid cardholder protection and minimizing fraud losses.
Retailers with Co-branded Cards – Retail chains and consumer businesses that issue private-label or co-branded credit cards in partnership with financial institutions, requiring visibility into card compromise to protect customer relationships and reduce transaction fraud.
Financial Service Providers – Payment networks, merchant acquirers, and financial service companies handling card data that benefit from continuous exposure monitoring across their portfolios.
Any organization responsible for card issuance, portfolio management, or fraud prevention where early detection of compromised cards directly impacts business operations and customer trust can benefit from this product.
How does Credit card exposure differ from other anti-fraud solutions?
Most traditional anti-fraud solutions focus on behavioral analysis – monitoring customer transaction patterns, spending habits, and account activity to detect suspicious behavior and flag anomalous purchases in real-time.
Credit card exposure takes a fundamentally different approach by focusing on actual card compromise. Rather than analyzing transaction patterns, it continuously monitors the Deep and Dark Web to identify when your payment card data has been directly exposed and stolen from external sources.
Key differences:
Detection Source: Traditional solutions analyze internal transaction activity; Credit card exposure monitors external Dark Web sources where stolen card data is traded;
Type of Threat – Traditional solutions catch fraud after attackers attempt unauthorized transactions; Credit card exposure identifies compromised cards before fraudsters can exploit them.
Scope of Protection – Traditional solutions detect anomalous behavior on known accounts; Credit card exposure reveals exposure across your entire card portfolio, including cards that haven't yet been used fraudulently;
Response Time – With Credit card exposure, your organization can proactively reissue cards or block accounts before fraud occurs, rather than responding after suspicious transactions are detected;
Credit card exposure and traditional anti-fraud solutions are complementary and together they provide a robust protection by detecting both actual card compromise and fraudulent transaction attempts.
How does Credit card exposure differ from other Axur products?
Threat Hunting:
Allows analysts to manually search across Axur’s intelligence datasets for indicators linked to specific investigations.
Ideal for targeted queries linked to ongoing cases or hypotheses.
Does not provide real-time alerts or detection management.
Does not provide the CVV number.
Cardstream (Credit card exposure for applications):
API only solution that provides a fast and easy way to check if a credit card has been compromised.
It is intended to be used by payment processors to validate a transaction independent of BIN or card issuer.
Cardcast:
This is the legacy Axur solution for credit card and is email/API only.
It will be fully replaced by the new Credit card exposure by the end of Q2/2026.
How does it work?
Credit card exposure automatically monitors Deep and Dark Web sources for leaked credit card data and matches it against your monitored Bank Identification Numbers (BINs). When card data is found and validated, a detection is created on the Axur Platform with complete evidence and source context.
Supported card formats
Cards of 13 to 19 digits.
CVVs of 3 and 4 digits, or cases without CVV available.
Cases with or without the expiration date available.
6 or 8 digits BINs.
Credit card validation
To ensure detection accuracy and reduce false positives, all extracted card numbers are validated using the Luhn algorithm – the industry standard for verifying legitimate credit card numbers. Invalid card numbers that fail Luhn validation are automatically discarded and do not generate detections.
Expired cards
Axur will detect all valid credit cards, even if they are expired.
Complete vs incomplete detections
Credit card detections can contain varying levels of information depending on what data was exposed:
Complete Cards: Include the card number, expiration date (month/year), and CVV/security code. Complete cards provide the full information necessary for fraudsters to conduct unauthorized transactions and represent the highest fraud risk. These are typically shared in formats like: 1234567890123456 | 12 | 2028 | 123
Incomplete Cards: Include only the card number without expiration date or CVV. While incomplete cards cannot be used immediately for online transactions requiring CVV verification, they still pose fraud risk for specific scenarios. Incomplete credit cards are more susceptible to false positive detections.
Axur can detect both cases, according to your preferences.
Duplicated card
Credit cards are detected every time a new exposure is found, even if a card number was previously reported, it will generate a new detection.
Monitored Sources
Credit card exposure continuously monitors multiple Deep and Dark Web sources where stolen payment card data is typically shared and traded:
Telegram
Whatsapp
Discord
IntelX
Mega.io
Pastebin & other paste websites
Deep & Dark Web Forums
Additional sources and big leaks monitored by Axur’s Threat Intelligence Team.
Monitoring setup
BIN monitoring can be enabled at Monitoring Settings > Asset management.
Click Add Asset.
Select Data Leakage.
Select BIN.
Enter the BIN. If you want to add more than one, separate them with a semicolon.
Enable Credit card exposure Monitoring.
Choose whether you want to receive detections of incomplete credit cards.
Save the asset.
Historical detections
By adding a new BIN, all previously detected cards for that BIN will appear as new detections and can be identified by the attribute “Historical detection”.
You can filter historical detection by using isHistory:true in the search bar.
Access Control
User management is done through My Team (manager users only).
Enable user access to credit cards by selecting Credit Cards.
2. Restrict access to specific BINs by limiting which assets the user has access to.
3. Users can enable email alerts at My preferences.
Detection management
Detections are accessible at the Credit Card tab, in the Data Leakage workspace.
Detection life cycle
Detections follow a standard workflow:
New → Just identified, requires analysis.
In Treatment → Under internal triage or investigation.
Solved → Addressed and no further action required.
Discarded → Not relevant or intentional exposure.
You may also add tags and notes to customize your organization’s workflow.
All actions performed in a credit card detection are auditable at that detection’s Events history.
How to identify important information: source, group, and file name?
When clicking on a reported case in the credit card tab, a side panel will automatically open on the right side of the screen. In this panel, you will find key details about the detection, including:
Source: The origin of the exposed card, such as forums, groups, or sharing platforms.
Group: The name of the group or community where the data was found.
File name: If the data is stored in a file, its name will be displayed to facilitate identification.
Additionally, the side panel may include further metadata about the exposure, assisting in analysis and decision-making.
Accessing files and performing investigations
We provide both the specific file containing the exposed card and, when available, the original package in which the file was found. These can be downloaded directly from the File Information section of the credit card detection details.
Files remain available for one year after collection and are limited to 1 terabyte of download per customer per month.
Usage is restricted to investigative purposes only and no API or automated download solutions are recommended.
API & Integrations
Credit card exposure provides API endpoints for programmatic access to detections. This enables seamless integration with your internal systems, security workflows, and third-party platforms.
For complete API documentation, including available endpoints, parameters, request/response examples, and authentication details, visit the Axur API Documentation.
Webhooks
We support webhooks to deliver real-time notifications when new detections are created or updated. Webhooks enable your systems to automatically respond to card exposure events without polling the API, streamlining incident response workflows.
For detailed webhook configuration, event types, payload examples, and setup instructions, refer to the Webhooks Documentation.
Safelist
Credit card exposure does not have a Safelist.
If you have any questions, reach out to us at [email protected] 😊