Online merchants may use BIN lookups to help validate transactions. The prefixes and lengths for the most common card types are:Īmerican ExprLuhn algorithm The term "Issuer Identification Number" (IIN) is replacing "Bank Identification Number".
#Bin code credit card validator iso
As an ISO 7812 number it contains:Ī single-digit major industry identifier (MII) (the MII is considered to be part of the issuer identifier number), a six-digit issuer identifier number (IIN), an account number, and a single digit checksum using the Luhn algorithm.Ĭards participating in the BIN system include:Ĭredit cards, debit cards, charge cards, stored-value cards, and Electronic Benefit Transfer (EBT) cards. There are two types of BIN lists - there are BIN lists for BIN to country, and BIN lists for bank to BIN.īIN to Country List - List provides the country of issuance when provided a BIN number.īank to BIN List - List provides the bank name, phone number and country when provided a BIN numberĭoes the provider offer a BIN List or database for the merchant to keep and use in-house, do they offer a hosted BIN lookup service, or both?įor vendors that provide BIN list or database, how often are these databases updated? Do they offer a subscription service that includes updates, or must you purchase periodic updates to the database?Ĭredit card numbers are ISO 7812 numbers.
It is not easy to get a BIN list in-house, and is accessed most often through a third party service provider or through your acquirer. Key considerations when implementing or buying this functionality include: The first 6 digits of the credit card number are known as the Bank Identification Number (BIN), which identifies the consumer's issuing bank and other information about thay payment card. By using the first 6 digits you can determine the card type (Visa, MasterCard, American Express, Discover) and you can determine the bank and country where the card was issued. The credit card number can tell you several very interesting things. Identify Prepaid Cards - If offering the option to pay in installments or using recurring billing, prevent the customer from providing a prepaid card which may only carry a balance to cover the first transaction.ĬREDIT CARD BIN CHECKS TECHNIQUE OVERVIEW The consumer can be asked to select the card brand they are using (Visa, MasterCard, Discover, American Express) and the card number the consumer enters can be checked to ensure it makes sense, and this is known as inline validation.īIN Checks can also aid in several other checks and measures:Įxport Compliance - Ensure the card issuing country is one you are allowed to sell/export goods to.
For example, the BIN also identifies the card brand being used. The BIN can also be used to reduce consumer data entry errors on check-out pages. While this alone is not enough to indicate fraud, it provides an additional signal as to the identity of the individual. It provides a way to check if the issuing bank is in the same country as the geolocation and address information provided by the consumer. The Bank Identification Number (BIN) provides information about the payment card being used and the bank that issued it. BIN - Bank Identification Number, also known as the Issuer Identifier Number (IIN), refers to the first six digits of a payment card's Primary Account Number (PAN).
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