Account reference number. Pismo creates this automatically when creating a card linked to RuPay on UPI
This number combines 10 BIN digits and the credit account number. If BIN is 6 digits, the remaining 4 digits are set to zero (0). If BIN is 8 digits, then the remaining 2 digits are set to zero. This is a NPCI standard. For example, if the account reference number = 1234560000987654321, the first six digits are the BIN, appended with 4 zeros and then the credit account number (`987654321``).
You can call List cards to get a card's account reference number.
