Verify Card Details
Bank identification number is a powerful tool. With Bindb, your company can find out more about the card that your customer used than ever before. Bin numbers can identify the issuing bank.
Your Business Needs a Dependable Anti-Fraud System
If you are an entrepreneur whose business is exclusively dependent on internet transactions, you might be haunted by the possibility of internet fraud wreaking havoc on your business dealings. The threat of fraud is real; the risks are not overstated, and understandably fraud prevention must be on the top of your business agenda.
What are the possible scenarios that you can be confronted with in your day-to-day business?
Here are some typical examples:
- You have launched your website and now you are busy building up traffic to boost your business. But do you know who your customers are? Are they legitimate?
- You receive a barrage of orders for your product, a great feel-good factor indeed, but are you sure about the credentials of the credit card you are going to charge?
- You have received payment for a sold product, and now you have shipped the product. What is the risk that the card is stolen and the genuine card holder disputes the transaction?
- All your sales are online and your first payments are coming in. Are you sure about each customer’s identity?
- Now your business is moving like a breeze, apparently no issues, high volumes, and everything looks sunny. What do you do if organized hooligans with the help of stolen cards have boosted your sales?
- You have managed to succeed in this cut-throat trade, but now a jealous competitor is keen to put you out of business. The dubious competitor fakes a lot of orders; you have shipped them and now the competitor disputes all the charges. How do you wriggle out of the situation?
The above constitute only the tip of the iceberg of a potentially massive scale of fraudulent activities that are either already devised, waiting to be stealthily executed, notwithstanding addition to the new ingenious ones on the anvil in a latent phase ready to strike unsuspecting businesspersons. Internet marketing is replete with deceitful players. You need to put in place a mechanism that not only is 100 percent foolproof but also capable of plugging newer and more devious fraudulent methods that are concocted every day.
Bin Database System
Bank Identification Number database or BIN database is the most effective strategy to tackle the scourge of internet fraud.
What is a BIN?
Bank Identification Number or BIN represents the first six digits of the user’s credit, debit, or prepaid card numbers that facilitate making of each electronic transaction. The first six digits are also called issuer identification numbers (IIN). The Bank Identification Numbers (BIN) or IIN database and its membership are managed by the American Bankers Association and are updated monthly. Online merchants use BIN database to validate transactions.
Nevertheless, for the BIN database or IIN database to be effectual, it must fulfil the following conditions.
- It must be user-friendly: Professional database preferably is the best choice. Yet, there is no reason why you cannot create your own.
- It must be accurate: Fortunately, these days most trusted databases are 99 percent accurate, more so because these databases are monitored and updated regularly. Users look for databases that provide comprehensive information of the country of residence and the BIN numbers. Verification cannot be complete without all these relevant details. The obvious source to get these details is from online merchants, financial institutions, and banks.
- It must conform to the highest quality: Dependability is a must-have. It should be free from spelling errors to enable accurate automatic filtering. A BIN databases has to ensure conformity to acceptable standards, and therefore naturally instil confidence among users. Reputable databases willingly offer assistance to provide updates on a regular basis as well as provide assistance in BIN correction and also in locating unidentified BINs.
- It must be cost-effective: Typically there are different rates for bulk usages and single rates. Choose one after a careful consideration of quality and ease of use.
So what is the call? Making your own anti-fraud system could be one of the workable solutions. For that you need to collect data on internet card processing behaviour and build up a database with a large number of different fraud models. Once you are able to do that, checking bank identification numbers will save you money. Alternatively, you can buy professionally made BIN database that has a good record of verifying credit card details, reducing chargebacks and preventing fraud attempts.
Here is how bin databases help you
The first six digits of the BIN provide the most vital identification of the user that helps you validate an order. Most importantly, it provides the name of the issuer bank and the country of its origin. It provides information whether the card is a credit, debit, or a prepaid card.
The database prevents you from getting trapped by fraudulent transactions. When you run a BIN through an online validation service, you have a chance to cross-check suspicious transactions and if necessary put a hold on them. In effect you can pre-empt fraudulent transactions before they get the better of you. Another great advantage is you can use the BIN in a customized way to suit your business needs. You can seamlessly integrate the credit card BIN checker with your business requirements and weed out banks having a history of shady bank transactions. Additionally, if there is restriction to export to a particular country, you can exclude cards issued from that country’s billing address automatically.
BIN identification numbers help you charge variable fees applicable for debit and credit cards. This is especially true for cards issued from outside the USA that need to be charged extra. Even a business card has a higher charge than a personal card. With a proper merchant account, you can set an automated arrangement whereby with a BIN database lookup you can assess the exact fees that needs to be charged with credit cards.
Internet card fraud is on the rise. It would be an unpardonable act to run an internet business without the help of Bank Identification Number database. Even optimistically assuming a very low-risk scenario, the potential damage to businesses can be huge.
Card Type & Level
Distinguishing between "debit" and "credit" cards is a vital component in risk assessment. Card Level information such as Standard, Corporate, Prepaid etc. is another feature our database provides.
Data Structure
Description of the database fields and values to aid integration of the data in your workflow.
Each record in our data has 14 fields separated with comma.
Here's a sample record to describe the fields:
Data Structure
Field Brand Bank
1 546616 Bank Identification Number (BIN)
2 MASTERCARD Card brand
3 CITIBANK N.A. Issuing bank name
4 CREDIT Type of card (card funding type)
5 WORLD ELITE Card Level (classic, gold, platinum, etc.),
6 UNITED STATES Issuing country ISO name
7 AMERICAN AIRLINES AADVANTAGE EXECUTIVE Optional field, bank phone number
or other useful info like additional level
8 US Issuing country ISO A2 code,
9 USA Issuing country ISO A3 code
10 840 Issuing country ISO number
11
WWW.CITI.COM Website of bank or organization
12 1-888-776-2484 OR 605-335-2222 OR 1-877-881-2668 Phone of bank or organization (Credit card customer service line)
13 CITIBANK SOUTH DAKOTA N.A. Former bank or organization
14 399 PARK AVENUE, NEW YORK, NY 10043, USA Address of bank or organization
Database Samples
See how the data is structured inside our BIN database. Download free samples in the exact formats the database is delivered.
Premium License Samples
The BinDB Premium License is delivered in both CSV and XML formats. This allows for easy integration of the database in your existing software. Both formats are easily readable by most programming languages.
Bank Identification Number 546616
Card Brand MASTERCARD
Issuing Bank Name CITIBANK N.A.
Card Type CREDIT
Card Level WORLD ELITE
Iso Country Name UNITED STATES
Iso Country A2 US
Iso Country A3 USA
Iso Country Number 840
Bank's website
WWW.CITIBANK.COM
Customer Care Line 1-800-627-3999 OR 605-335-2222 OR 1-877-881-2668
Additional Info AADVANTAGE EXECUTIVE
Bank Identification Number 426684
Card Brand VISA
Issuing Bank Name JPMORGAN CHASE BANK N.A.
Card Type CREDIT
Card Level GOLD
Iso Country Name UNITED STATES
Iso Country A2 US
Iso Country A3 USA
Iso Country Number 840
Bank's website
WWW.CHASE.COM
Customer Care Line 1-800-935-9935
Additional Info 1-800-935-9935 OR 1-800-432-3117 OR 1-302-594-8200
Bank Identification Number 434256
Card Brand VISA
Issuing Bank Name WELLS FARGO BANK N.A.
Card Type DEBIT
Card Level CLASSIC
Iso Country Name UNITED STATES
Iso Country A2 US
Iso Country A3 USA
Iso Country Number 840
Bank's website
WWW.WELLSFARGO.COM
Customer Care Line 1-866-867-5568
Aditional Info 1-925-825-7600 OR 1-800-869-3557 OR 1-800-642-4720
Bank Identification Number 431307
Card Brand VISA
Issuing Bank Name BANK OF AMERICA N.A.
Card Type CREDIT
Card Level SIGNATURE
Iso Country Name UNITED STATES
Iso Country A2 US
Iso Country A3 USA
Iso Country Number 840
Bank's website
WWW.BANKOFAMERICA.COM
Customer Care Line 1-845-600-7010
Aditional Info 1-800-432-1000
Bank Identification Number 517805
Card Brand MASTERCARD
Issuing Bank Name CAPITAL ONE BANK N.A.
Card Type CREDIT
Card Level PLATINUM
Iso Country Name UNITED STATES
Iso Country A2 US
Iso Country A3 USA
Iso Country Number 840
Bank's website
WWW.CAPITALONE.COM
Customer Care Line 1-800-955-7070
Aditional Info 1-703-448-3747
Bank Identification Number 465942
Card Brand VISA
Issuing Bank Name HSBC BANK
Card Type DEBIT
Card Level CLASSIC
Iso Country Name UNITED KINGDOM
Iso Country A2 GB
Iso Country A3 GBR
Iso Country Number 826
Bank's website
WWW.HSBC.CO.UK
Customer Care Line 08456-007-010
Aditional Info 44-20-7991-8888
Bank Identification Number 492181
Card Brand VISA
Issuing Bank Name LLOYDS BANK PLC
Card Type DEBIT
Card Level CLASSIC
Iso Country Name UNITED KINGDOM
Iso Country A2 GB
Iso Country A3 GBR
Iso Country Number 826
Bank's website
WWW.LLOYDSTSB.COM
Customer Care Line 0800-096-9779
Aditional Info 0845-300-0000
Bank Identification Number 498442
Card Brand VISA
Issuing Bank Name BANCO DO BRASIL S.A.
Card Type CREDIT
Card Level CLASSIC
Iso Country Name BRAZIL
Iso Country A2 BR
Iso Country A3 BRA
Iso Country Number 076
Bank's website
WWW.BB.COM.BR
Customer Care Line 55-0800-729-0722
Aditional Info 55-61-3310-5920 OR 55-0800-729-5678
Supported Bank Card Brands
All major card organisations or "brands" are supported in our BIN database solutions. Here you can find a list and some interesting fact about each card brand.
Visa
One of the largest card payment corporations in the world VISA provides payment solutions to banks and financial institutions. BinDB has extensive coverage in the VISA branded cards from all over the globe.
MasterCard
MasterCard branded cards and their issuing organisations can be accurately identified with our BIN databases.
American Express
American Express or AMEX for it's short name is a well known financial services corporation which brands bank cards globally. AMEX cards are included in all BIN databases which BinDB provides to it's clients.
Maestro
Maestro are multi-national debit card services which are owned by MasterCard corporation. BinDB's BIN Databases can correctly identify all known maestro BIN ranges.
Discover
Discover Financial Services is an independent company for processing and issuing bank cards. Most Discover cards are issued by Discover Bank, however BinDB's BIN databases can accurately identify most variations of Discover cards.
China UnionPay
The only domestic bank card organization in the People's Republic of China.
Currently BinDB is able to accurately distinguish the different types and banks of the CUP/UnionPay ranges part of Discover Network.
Diners Club
Diners Club International is an organisation for issuing of multipurpouse charge cards worldwide. It is a part of the Discover Network and is fully supported by BinDB's BIN databases.
JCB (Japan Credit Bureau)
The Japan Credit Bureau is a credit card processing company based in Tokyo, Japan. We provide full coverage for JCB branded cards in our databases.
Local and Other Cards
Those are cards which are not part of the brands listed above. Since we strive to provide coverage for all bank cards, we have included identification capabilities for the following:
- Payment Cards from Local Issuers - International
- ATM Cards - International
- Rupay (Discover Network) - India
- SberCard - Russia
- EBT - United States of America
- DinaCard (Discover Network) - Serbia
- ComproCard - Brazil
- Dankort - Denmark
- BC Cards (Discover Network) - South Korea
- EFTPOS (Electronic funds transfer at point of sale) - Australia
Defunct brands
Those are card brands which are no longer issued, however there still may be active cards in circulating
- Laser cards Ireland
- Switch, Solo UK and Ireland cards
Developers
All technical documentation and samples are available in this section to aid the integration of our products and services.
BinDB Web Portal Documentation
API Technical Documentation
1. Introduction to BIN Identification
In some ways the Bank Identification Number (BIN) is similar to a vehicle's license plate. The BIN/IIN Number carry encoded details about a bank payment card’s origins and type. The first six digits of any bank card number carry information about the type, country, bank and level of the card. With the Web Portal our clients gain valuable insight on online payments and their potential customers. Being able to determine the issuing bank and credit level information about a credit card used in an online payment gives our clients a great opportunity to assess the risk of any online transaction. The client can build their payment processing logic based on the checks performed using the BIN Database.
2. What is the BinDB Web Portal?
BinDB Web Portal is an online system which provides businesses with an online interface where they can perform real-time BIN identification. A manual search engine allows you to look up any BIN number in the database and the API helps integrate our service in your company software. A multi-user support allows you to create sub-users for your employees and keep a historical records of all queries performed through the manual search or the API. The portal can be linked to either the Premium Database or the Ultimate Database depending on the types of transaction and level of coverage you need.
3. Features
BinDB's Premium Database License allows our clients do the following using only the first six digits of any credit card number.
- Determine if a card is a VISA, MASTERCARD, AMERICAN EXPRESS or any other card brand.
- Determine if a card is a Debit card or a Credit card.
- Find the level of the card such as Business, Platinum, Gold etc.
- Detect Prepaid, Gift and Virtual Cards.
- Find which bank has issued the card.
- Find from which country the card was issued.
- Find the issuing contact phone and website of the bank which issued the card.
4. API Request Usage
The API system allows you to automate BIN identification via a simple HTTP GET request. Inside your Online Portal you can find your API key which is used to secure the search requests. An example of the the API request can be found below:
https://apiserver/api.php?api_key=[API_KEY]&bin=[BIN]
Example
https://apiserver/api.php?api_key=68Y6NV485VY4596BN4856Y&bin=546616
An XML Schema of the API’s response can be found in the documentation archive. A detailed description of the fields returned can be seen in the table below:
Input Parameters
Field Name Type Description Example
API_KEY String The key to use to authenticate to the service. 68Y6NV485VY4596BN4856Y
BIN String The first six digits of a card number are known as the issuer identification number 546616Where: - API is your API key - BIN is the Bank Identification Number you want to check. Once an HTTP get request is made with the correct API key, the system will return the results in an XML format. You can find an example XML response in the next section “API XML Response Structure”
API-Response XML Schema.xsd - A XSD Schema file containing description of the fields returned in the API XML response.
Code:
<xs:schema attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema">
<xs:element name="result">
<xs:complexType>
<xs:sequence>
<xs:element type="xs:int" name="bin"/>
<xs:element type="xs:string" name="brand"/>
<xs:element type="xs:string" name="bank"/>
<xs:element type="xs:string" name="type"/>
<xs:element type="xs:string" name="level"/>
<xs:element type="xs:string" name="isocountry"/>
<xs:element type="xs:string" name="country_iso"/>
<xs:element type="xs:string" name="country2_iso"/>
<xs:element type="xs:short" name="country3_iso"/>
<xs:element type="xs:anyURI" name="www"/>
<xs:element type="xs:string" name="phone"/>
<xs:element type="xs:string" name="info"/>
</xs:sequence>
</xs:complexType>
</xs:element>
</xs:schema>
5. API XML Response Result Structure
The API system returns results in XML format which is easy to parse in a variety of programming languages and platforms. A sample XML reply from the API would be:
Code:
<?xml version="1.0" encoding="utf-8" ?>
<result>
<bin>546616</bin>
<brand>MASTERCARD</brand>
<bank>CITIBANK N.A.</bank>
<type>CREDIT</type>
<level>WORLD ELITE</level>
<isocountry>UNITED STATES</isocountry>
<info>AADVANTAGE EXECUTIVE</info>
<country_iso>US</country_iso>
<country2_iso>USA</country2_iso>
<country3_iso>840</country3_iso>
<www>WWW.CITI.COM</www>
<phone>1-888-776-2484</phone>
</result>
6. API JSON Response Result Structure
The API system also can return results in JSON format. A sample JSON reply from the API would be:
Code:
{
"bin": "543210",
"brand": "MASTERCARD",
"bank": "NATIONAL PENN BANK",
"type": "",
"level": "",
"isocountry": "UNITED STATES",
"info": "877-866-7827 OR 800-822-3321",
"country_iso": "US",
"country2_iso": "USA",
"country3_iso": "840",
"www": "www.natpennbank.com",
"phone": "+1 610 369 6128"
}
Result Fields
Field Name Length Type Description Example
BIN 6 Numeric The first six digits of a card number are known as the issuer identification number (IIN) aka Bank Identification Number (BIN) 546616
BRAND 128 String Card brand specifies the card company/vendor which issued the card i.e. Visa/MasterCard/AMEX etc. MASTERCARD
BANK NAME 128 String Name of the bank or financial institution which issued the card. CITIBANK N.A.
TYPE 32 String Type of card. i.e. CREDIT/DEBIT CREDIT
LEVEL 32 String The level field specifies of a card is PREPAID/GOLD/GIFT/BUSINESS/ELECTRON etc. WORLD ELITE
ISOCOUNTRY 64 String Full name of the country of origin e.g. “United States” UNITED STATES
INFO 128 String Additional information if available. Usually contact or alternative contact information about the issuing bank. AADVANTAGE EXECUTIVE
COUNTRY_ISO 2 Char Two letter ISO country code. US
COUNTRY2_ISO 3 Char Three letter ISO country code. USA
COUNTRY3_ISO 3 Numeric Numeric ISO country code. 840
WWW 128 String URL Address of the issuing bank's main website.
WWW.CITI.COM
PHONE 128 String Contact phone number of the issuing bank. Usually the main branch phone. 1-888-776-2484
7. API Response Errors
In case of an error the API returns an XML response containing the error message. The <error></error> XML tags are returned without any other fields in the XML response. Below you can find a description of all possible error messages that could be returned:
Result Errors
ID Cause Resolution
100 API key required You need to submit the API key to our API for each request. API key can be found in your Web Portal -> API -> API Access section.
101 BIN not specified BIN field is required for successful search.
102 Invalid API key Please check that you are submitting your API key exactly as in your account.
103 IP Address is not allowed You need to allow access to your server or computer's IP address in your Web Portal -> API Access section.
104 Unspecified Error If you experience this error, please contact our support for further investigation.
105 BIN Not Valid BIN must be exactly six digits long for correct idenfitication.
106 BIN Not Found The submitted BIN has not been found in our database. Please report to support for investigation.
107 Subscription Expired Your membership has expired, please go to Membership section for instructions how to renew your membership.
8. Conclusion
Other technical questions can be directed to
sales@bindb.com. If you are interested in purchasing Premium License, please contact our order page.
