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‹Card Data

Card Extra

Attributes of the individual card, not its BIN range: lifecycle status, prepaid program, issuer contact channels, card art.

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The card behind the card number.

A BIN tells you the issuer and little else. Card Extra names the actual product in your customer’s hand, and shows you its art.

What you see today
Green Dot debit
PayOS returns
Apple Cash
"Apple Cash"
Wallet-linked debit
Program: Apple CashWallet-linked · Green DotReloadable
What you see today
Capital One credit
PayOS returns
Quicksilver
"Quicksilver"
Cash-back rewards credit
Cash-back rewards programIssuer contact on fileConsumer credit · US
What you see today
Chase World Elite credit
PayOS returns
Marriott Bonvoy World Elite
"Marriott Bonvoy World Elite"
Co-brand rewards credit
Co-brand: Marriott BonvoyPremium travel tierCategory earn rates
What you see today
Citibank Mastercard credit
PayOS returns
Citi AAdvantage Mastercard
"Citi AAdvantage Mastercard"
Airline co-brand credit
Co-brand: American AirlinesMiles earn programIssuer contact on file
What you see today
Visa debit
PayOS returns
Gusto Benefits Debit
"Gusto Benefits Debit"
Payroll / earned-wage debit
Payroll program managerEarned-wage accessReloadable
What you see today
Prepaid Visa
PayOS returns
Tremendous Rewards Card
"Tremendous Rewards Card"
Incentive prepaid
Program: incentives & payoutsNon-reloadableProgram category & manager

Card Extra: the deep attributes of a specific card.

Send a card number and expiry. Card Extra returns the profile of that exact card, drawn straight from the issuing networks. It never returns a token or any usable payment credential.

You send
CARD NUMBER4242 •••• 4242
EXPIRY09 / 28
MERIDIAN BANK
4242 24•• •••• 4242
CARDHOLDER
ALEX RIVERA
World Elite
09 / 28
Card Extra returns
Meridian World Elite Mastercard
Official card art · 1536×969 PNG
1-800-555-0139 · meridianbank.com
Issuer phone, site, email, terms & privacy
Active · issued 20233-D Secure supportedCVV printedCo-badge: none
Core details
Network, account status, account range, expiry and funding type for the specific card.
Issuer
The issuing bank plus its real customer-contact channels: phone, email, website, terms.
Display & product
Product names and the exact background, foreground and label colors of the card.
Card art
A link to the official card image, with its format and pixel dimensions.
Authentication support
Which step-up methods the issuer actually supports for this card.
Card properties
Co-brand and co-badge detail, what is printed on the card, and lifecycle dates.
Capabilities
Device binding, cardholder verification, trusted beneficiary and delegated-auth support.
Program details
The sponsor bank, program manager and processor behind the card, computed by PayOS.
Multi-factor & events
MFA eligibility and any pending events sitting on the card.

To understand a payment is to know the card. A BIN alone leaves you guessing.

A BIN describes a range of cards. It cannot describe the card in front of you.

What you need to knowBIN aloneWith Card Extra
The individual card
Only the account range the card belongs to
Account status, issuance and activation dates for this exact card
Card art
No image of any kind
A link to the official card image, with format and pixel dimensions
Product identity
A generic product code
Short and full marketing names for the product
Issuer contact channels
At best a bank name
Issuer phone, email, website, terms and privacy links
Authentication reality
Generic network-level flags
The step-up methods this issuer actually supports for this card
What the card refuses
Silent
Unsupported presentation and verification types
Co-brand and co-badge
Cannot resolve a second badge
Co-brand and co-badge names, so you route and display correctly
What is printed on it
No idea
Whether the security code and expiry are printed on the card
Program behind the card
Range-level program at best
Sponsor bank, program manager and processor, computed by PayOS

Screens only card-level data can power.

Card Extra does not just feed risk models. It changes what you can put on the screen.

Which card is yours?
TREMENDOUS card art
QUICKSILVER card art
BONVOY card art
AMEX GOLD card art
Make them pick their own card
Only the real cardholder knows what their card looks like.
Decline messaging
Card declined. Contact your issuer.
Card declined. Call Chase at 1-800-432-3117, the number on the back of your card.
Name the bank. Give the number.
Declines people can act on, not a dead end.
Supported step-up methods
3-D Secure
SMS one-time passcode
Email one-time passcode
Delegated authentication
Only offer step-up that exists
Never ask for a code the issuer cannot send.
Saved cards
TREMENDOUS card art
TREMENDOUS
•••• 4242
QUICKSILVER card art
QUICKSILVER
•••• 7781
BONVOY card art
BONVOY
•••• 3390
Saved cards people recognize
Real card art beats four grey digits.
Two badges, one card
VISACARTES BANCAIRES
Co-badged. Route domestic for lower cost.
Route co-badged cards correctly
Two badges named, so you pick the right rail.
Card lifecycle
ACCOUNT STATUSOpen
ACTIVATED12 Mar 2024
EXPIRY PRINTED09 / 28
PENDING EVENTSNone
Catch a dead card before checkout
Flag cards not yet active, or no longer open.

Sharper risk. Harder fraud. Better checkout.

The same card detail feeds three very different teams.

Risk
Underwrite the card, not the range
01
Card-level underwriting
Score on status and lifecycle, not a shared range.
02
Program behind the card
Sponsor bank, program manager and processor.
03
Respect the limits
Skip flows this card can never complete.
Fraud
Make the shopper prove they hold it
01
Card-art challenge
Only the real cardholder knows the art.
02
Dead-card detection
Flag cards not open, or newly issued.
03
Device binding
Demand a stronger signal when supported.
UX
A checkout that feels considered
01
Recognizable saved cards
Real art beats four grey digits.
02
Declines people can act on
Name the bank. Give the number.
03
Step-up that lands
Offer only what the issuer supports.

The value of deeper card data.

Deeper card data, less engineering, tighter scope and a checkout that feels considered.

Data no BIN can give you
Card-level truth: status, lifecycle, art, colors and issuer contacts.
Nothing sensitive returned
Never a token or a usable payment credential, so your scope stays tight.
Fraud signals others miss
Card-art challenges, lifecycle checks and real capability data.
A checkout people trust
Recognizable cards, actionable declines and step-up that works first time.