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‹Card Data

BIN Data

The first 8 digits reveal the issuer, product, funding type and permitted uses of a card. One lookup returns the complete profile.

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Deep attributes, global availability, from the first digits alone
532355
90+
DATA POINTS
Card & credential
9 fields
Issuer & bank
8 fields
Network & routing
5 fields
Funding & product
9 fields
Card program
7 fields
Acceptance
12 fields
Risk & compliance
9 fields
Payin & payout
18 fields
Every signal sourced directly from the networks, grouped into decisions you can act on.

The questions every transaction asks. A bare card number answers none of them.

The first digits already hold the answers. Without them you route blind, price blind and find out what the card was only after it declines.

The question
Card number alone
With BIN Data
Which network is this?
Guess from the first digit
Mastercard · World Elite
Debit or credit?
Unknown until the auth response
Debit · regulated under Reg II
Which issuer, which country?
Unknown
Chase · United States · USD
Can I push funds to it?
Try it and hope
Eligible · fast funds
Cheapest route available?
Default route, default cost
Local debit rail available
Reloadable or single-use?
Unknown
Prepaid · reloadable
Consumer or commercial?
Unknown
Consumer · World Elite

The first digits decide the economics of the whole transaction.

Everything downstream, the rail, the price, the risk call and the shopper experience, is set before you authorize.

Approvals go up
Route a local card to a local processor and stop losing good payments to false declines.
Costs come down
Spot regulated debit and pick the lower-cost rail instead of paying the default price.
Payins and payouts land
Confirm the card can pull and push funds before you attempt the money movement.
Risk gets sharper
Prepaid, commercial and regulatory flags let you price and restrict the right cards.
Checkout feels local
Show the home currency and issuer a shopper expects, and conversion follows.
One shape, no branching
The same normalized response every time, so your logic never forks per brand.

Decisions the first digits can settle.

One lookup feeds payments, treasury, risk and product, all before the transaction is sent.

Payments
Route and price every transaction right
01
Least-cost debit routing
Detect regulated debit and take the cheaper rail.
02
Local acquiring
Send domestic cards to domestic processors.
03
Surcharge and fee logic
Apply the right fee rules by card type and country.
04
Rule-aware retries
Retry on a path the card actually supports.
Money movement
Know before you move the money
01
Payout readiness
Confirm push eligibility before you disburse.
02
Payin acceptance
Know the funding type and program before you accept the card.
03
Cross-border transfers
Check currency, country and limits up front.
04
Instant refunds
Return money to the card in seconds where supported.
Risk & compliance
Treat each card for what it really is
01
Prepaid handling
Apply different rules to prepaid and gift programs.
02
Reloadable vs non-reloadable
Single-use and non-reloadable cards carry very different risk. Know which you have before you accept it.
03
Commercial vs consumer
Separate business spend from consumer spend.
04
Regulatory flags
Respect regional status and category restrictions.
05
Velocity by program
Tighten limits on the programs that warrant it.
Product & growth
A checkout that fits the shopper
01
Silent checkout enrichment
Fetch the profile as the shopper types eight digits.
02
Localized experience
Show home currency and issuer name they recognize.
03
Approval analytics
Slice approval rates by issuer, country and product.
04
Issuer-aware messaging
Name the bank a shopper recognizes instead of a generic prompt.