BIN Lookup
BIN Lookup provides you with critical payment card data. Use this data to route payment transactions to the best-suited PSP, leading to increased authorizations, less fraud, and lower processing costs.
What is a BIN?
A BIN, or a Bank Identification Number, is the first 6-8 numbers on a payment card that identifies the card issuer. The first digit is the major industry identifier, and the remaining digits identify the financial institution that issued the card. These numbers make it easy to trace cards and transactions back to their issuer. BINs can be found on cards like charge cards, gift cards, credit cards and debit cards.
The BIN provides a lot of helpful information about the payment card, such as details on the issuing bank and country, card brand and card characteristics (e.g. debit card, prepaid card). You can use this information to route your payment transactions to improve authorizations, reduce fraud, lower interchange costs, and comply with payment regulations.
Key Benefits
Featured Resource
Standalone Plans
Basic
|
1.2M requests per year |
|
Accessible via iFrame, Mobile API, or standalone API |
|
|
|
|
Professional
|
6M requests per year |
|
Accessible via iFrame, Mobile API, or standalone API |
|
|
|
|
Enterprise
|
Unlimited requests |
|
Accessible via iFrame, Mobile API, or standalone API |
|
Delivery of full BIN file |
BIN Lookup can be used as a standalone product or as part of the Payment Optimization Platform. The Payment Orchestration Platform allows you to use BIN data for risk management (risk rules based on BIN country, card type, brand, level, total transaction within BIN range) and for routing rules (BIN country level, type and regular expression).
FAQ
The Bank Identification Number (BIN) provides a large amount of useful information about the payment card, such as details on the issuing bank and country, card brand, and card characteristics (e.g. debit card, prepaid card). You can use this information to route your payment transactions to reduce your fraud, improve authorizations, and lower your interchange costs.
You can receive BIN data through the IXOPAY Hosted iFrame, Mobile API, or standalone API. If you purchase the Enterprise package, you also have access to a file containing the full BIN database.
The data is updated on a weekly basis.
The following card networks are supported:
IXOPAY BIN data comes from card brands and financial institutions, includes more than 70 data points, and is updated on a weekly basis.