About PANFinder

PANFinder is a desktop application which enables you to look up the Primary Account Number (PAN) of a card, using the card's Thredd token.

Alternatively, if you already have the full PAN, you can use this app to look up the linked Thredd 9-digit or 16-digit token.

You can use PANFinder to obtain the full PAN related to a specific transaction, which may be required for a number of reasons:

• When contacting the Card Scheme (Network) to query a transaction

• When initiating the disputes management (Chargeback Where a cardholder disputes a transaction on their account and is unable to resolve directly with the merchant, they can raise a chargeback with their card issuer. The chargeback must be for a legitimate reason, such as goods and services not received, faulty goods, or a fraudulent transaction.) process

• To report a fraudulent transaction on the card to the Card Scheme or to the police

In the above cases, you should use Smart Client to find the Thredd token linked to the transaction, and then use the PANFinder app to display the full PAN linked to the token.

Access to PAN details is based on your user permissions as set up in Smart Client, and is restricted to cards set up at the Institution level linked to your account.