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← Intelligence Platform

Understand every payment card.

Card Data provides everything you need to understand, verify, enrich and validate payment cards, in a single request, before authorization. Processor-agnostic, a la carte, across every major network.

Prepaid
Green Dot
4295 44•• •••• 0367
EXP 09/28 VISA
Online gambling Domestic OK
Issuer country Resolved
Issuer Identified
Money transfers Domestic OK
Credential type PAN
Product type Classified
Fast Funds Real-time
Reg II Interchange
PAR One identity
Apple Pay •••• 4821 Google Pay •••• 7702 E-com token •••• 0367
Cardholder verify Supported
Earn rate 3x dining
AVS Address match
Name match Full ANI match
Device binding Issuer flag
Rewards program Sapphire
MCC eligibility Permitted
"Apple Cash" Program
Network Response Code
Merchant Advice Code
200+ more attributes

How teams put it to work

A single request returns ownership, PAR, BIN detail, risk signals and authentication support for any card.

yourapp.com · Add a card
Card number
4242 4242 4242 4242
Name on card
-
Billing address
-
CVV
-
CARD
•••• 4242
Art revealedRewards: 2% everywherePAR · BIN · issuer ✓
New user, first card
At card add
Card number validated
Name verified
Address verified
CVV match
Card art + rewards revealed
PAR set · BIN understood · issuer on hand

What comes back on every card

Data that never appears in a processor response, delivered at card add and pre-auth.

Ownership · Sender & Recipient

Prove the card belongs to the person, on both sides.

Confirm cardholder name and address for the sender before a pay-in, and for the recipient before a payout. Money moves only between verified owners.

Sender ✓
•••• 4242
VERIFIED OWNER
Recipient ✓
1 PAR
Velocity · PAR

Tighten velocity rules with PAR.

One Payment Account Reference ties every reissued card and wallet to a single account. Without it, velocity rules are already failing.

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BIN · Approval rates

Know the BIN before you initiate.

Detailed BIN attributes, funding, product, country, regulated status, let you slice approval rates and route every payment for the best outcome.

PREPAID
PROGRAM: •••
Prepaid · Program

Prepaid? The BIN misses the risk.

Surface the program manager and program category behind a prepaid card so you understand the real risk the BIN alone will not tell you.

→ →
Pay-in & Payout

Every attribute, both directions.

Use the full card profile on pay-ins and payouts alike, push (OCT/AFT) eligibility, funding and regulated status, for low fraud and high approvals.

ISSUING FI
••• Bank, N.A.
Issuer · FI name

Know the bank behind the card.

Issuer details power better UX and sharper risk, know exactly which financial institution stands behind every card you touch.

3x DINING
Rewards · Loyalty

Reward the card they want to use.

Read the rewards program, base earn rate and category bonuses behind a card, then nudge shoppers to the card that earns them the most.

•••• 0367
GREEN DOT
VISA
→
Card art · Recognition

Show the real card, not four grey digits.

Official card images, issuer logos and exact brand colors turn a saved-card list into instant relatability, so shoppers pick the right card first time.

US + GLOBAL
Coverage

Get all the details behind a card, US and Global.

One lookup returns the full profile on domestic and international cards alike, no gaps in coverage wherever the card was issued.

A 360° view of every card.

Verification, identity, routing, loyalty and risk, resolved in one call.

Ownership
NameAddressSecurity codeEmailPhone
Authentication
3-D SecurePasskeysSecurity codeCardCha · card-art challenge
Conversion
Card artIssuer contact details
Processing Capabilities
Transaction typesUse-case eligibilityRecurring on fileDeep BIN capabilities
Approval Rate
Token cryptogram validation3DS cryptogram validation
Better Routing
Payin capabilityPayout capability
Better Loyalty
PARCard RewardsActual prepaid program
Risk
Card typePrepaid category · KYC’ed or notDeep BIN attributes

Who uses Card Data

No processing relationship required. No PCI certification required.

You do not have to be PCI compliant.
Access every card service without ever touching card-data scope. See integration options →
1 Card Add · the moment a card is saved 2 Pre-Auth · before the charge is sent
Merchants
Verify ownership at card add
Velocity rules on the PAR
Card art the customer recognizes at checkout
Fintechs
Screen every card that funds a wallet or account
Deep BIN read before you accept
3DS step-up only when risk calls for it
AI Agents
Deterministic card facts, not probabilities
One call, one clean answer
Act with confidence before spending
PSPs & Processors
PAR, deep BIN and card art layered on
Signals the auth response never carries
Value-added services for every merchant you serve
Marketplaces
Buyer and seller cards known before funds move
Trial and refund abuse caught on the PAR
Payout eligibility checked pre-send
Banks & Issuers
External cards verified at account funding
Know whose card is loading the account
All of it before the deposit posts

Know the card before you charge it.

Start free with generous monthly usage. Add only the card services you need, no processor lock-in, no minimums.