Is BIN lookup legal and PCI DSS compliant?

Yes, BIN lookup is 100% legal and PCI DSS compliant worldwide. BIN data (first 6-8 digits) is NOT considered sensitive authentication data under PCI DSS. Our service never stores full card numbers or CVV codes. BIN ranges are publicly published by card networks for legitimate fraud prevention. Compliant with GDPR (EU), CCPA (California), PIPEDA (Canada). Used by thousands of payment processors, banks, and merchants globally for fraud prevention.

What is the difference between 6-digit and 8-digit BINs?

6-digit BINs are the legacy format used from 1960s-2021, providing ~64,000 combinations. 8-digit BINs became mandatory in April 2022, offering 16 million+ combinations for better card identification. 8-digit BINs enable more granular fraud detection and support emerging payment methods. BINSearchLookup API automatically detects both formats - simply pass 6-8 digits. For maximum accuracy, use 8 digits when available.

Which programming languages support BIN lookup API integration?

BINSearchLookup API is language-agnostic and works with any language supporting HTTP requests. Popular integrations: JavaScript/Node.js (fetch, axios) for Shopify/WooCommerce, Python (requests) for data science/fraud analytics, PHP (cURL, Guzzle) for WordPress/Laravel, Ruby (HTTParty) for Rails/Stripe, Java (HttpClient) for enterprise gateways, Go (net/http) for fintech apps, C#/.NET (HttpClient) for Microsoft systems. Simple curl example: curl -H 'X-API-Key: your_key' https://api.binsearchlookup.com/lookup?bin=559994

What is the API response time and uptime guarantee?

BINSearchLookup API delivers average response time of 45ms, p95 of 89ms, and p99 of 150ms. Uptime SLA: 99% guaranteed for Pro and Enterprise plans. Infrastructure uses global CDN with automatic failover. Rate limits: Free tier 1,000 requests/month, Starter 10,000/month, Pro 100,000/month, Enterprise custom limits. Database updated daily from official card network sources.

Can BIN lookup identify stolen or compromised cards?

BIN lookup identifies card characteristics (brand, type, issuer, country) but cannot directly detect stolen cards since it only analyzes the first 6-8 digits, not account-specific data. However, it enhances fraud detection when combined with: velocity checks (multiple cards from same IP), geo-matching (billing country vs card country), card type patterns (unusual prepaid/virtual card usage), rapid card switching behavior. Together, these signals achieve significant fraud reduction when implemented as part of comprehensive fraud prevention.

How much does BIN lookup API cost?

BINSearchLookup offers 4 pricing tiers (2025): Free Tier - 1,000 requests/month, $0, perfect for testing; Starter - 10,000 requests/month, $19/month, for growing businesses; Pro - 100,000 requests/month, $99/month, high-volume merchants; Enterprise - Custom limits, $499+/month, dedicated support, SLA, custom integration. No credit card required for free tier. All plans include full API access, documentation, and email support.

What card brands are supported by BIN lookup?

BINSearchLookup supports all major card brands: Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay (China), Maestro, RuPay (India), Elo (Brazil), Mir (Russia), plus 40+ regional and emerging brands. Database covers prepaid cards (KOHO, Green Dot, NetSpend, Vanilla), virtual cards (Privacy.com, Revolut), and digital wallets. Geographic coverage: 200+ countries, 15,000+ financial institutions worldwide.

Complete Guide to BIN Lookup API for Credit Card Verification and Fraud Prevention

What is BIN Lookup?

BIN lookup (Bank Identification Number lookup) is a fraud prevention technique that verifies the first 6-8 digits of a payment card to identify the issuing bank, card brand (Visa, Mastercard, American Express, Discover), card type (credit, debit, prepaid), category (classic, gold, business, prepaid), and country of origin. BINSearchLookup provides a REST API with 99% accuracy, covering 500,000+ BIN ranges across 200+ countries, processing 50 million+ requests monthly with sub-100ms response times.

How BIN Verification Prevents Payment Fraud

BIN verification reduces payment fraud by 64% on average through: (1) Prepaid card detection - blocks virtual/disposable cards from KOHO, Green Dot, NetSpend, Vanilla, Privacy.com that require no identity verification, (2) Geographic mismatch flagging - identifies when billing address doesn't match card issuing country, indicating potential fraud patterns, (3) Card type validation - verifies credit vs debit to enforce payment policies, (4) Issuer risk scoring - identifies high-risk banks based on historical fraud patterns. Real-world data from 1,200+ merchants shows 47% chargeback reduction, $12,400 average monthly savings for mid-size e-commerce, and 3-5x ROI within 90 days.

Technical Implementation Guide

BIN lookup integration requires three steps: Step 1 - Extract first 6-8 digits from card number using cardNumber.slice(0, 8) in JavaScript. Never transmit full card numbers. Step 2 - Query BINSearchLookup API using curl -H "X-API-Key: your_key" -H "X-User-ID: your_id" https://api.binsearchlookup.com/lookup?bin=559994. Authentication requires X-API-Key and X-User-ID headers. Step 3 - Parse JSON response and implement fraud rules. Example response for BIN 559994 (KOHO Mastercard prepaid): {bin:559994, success:true, data:{Brand:MASTERCARD, Type:DEBIT, Category:PREPAID, Issuer:KOHO FINANCIAL INCORPORATED, CountryName:CANADA}}. Block transactions if Category contains PREPAID using if(response.data.Category.toUpperCase().includes('PREPAID')) { blockTransaction(); }

BIN vs IIN - Complete Explanation

BIN (Bank Identification Number) and IIN (Issuer Identification Number) refer to the same concept with different conventions. ISO/IEC 7812-1:2017 officially adopted IIN terminology and expanded from 6-digit BINs to 8-digit IINs in April 2022. Legacy 6-digit BINs provided 64,000 possible combinations (insufficient for modern payment growth). Modern 8-digit IINs offer 16 million+ combinations, enabling granular card product identification. BINSearchLookup API automatically detects both 6-digit and 8-digit formats for backward compatibility. For maximum accuracy, submit 8 digits when available. The industry uses BIN/IIN interchangeably - both terms are correct.

Supported Card Brands and Global Coverage

BINSearchLookup supports all major card networks: Visa (first digit 4), Mastercard (first digit 5), American Express (first digits 34 or 37), Discover (first digits 6011, 622126-622925, 644-649, 65), Diners Club (first digits 36 or 38), JCB (first digits 3528-3589), UnionPay China (first digit 62), Maestro (first digits 50, 56-69), RuPay India, Elo Brazil, Mir Russia, plus 40+ regional brands. Database covers 200+ countries, 15,000+ financial institutions, including prepaid cards (KOHO, Green Dot, NetSpend, Vanilla), virtual cards (Privacy.com, Revolut, Wise), business cards, government cards, healthcare FSA/HSA cards. Updated daily from Visa, Mastercard, Amex, Discover official registrations.

API Pricing and Rate Limits

Free Tier: 1,000 requests/month, $0/month, 100 requests/hour rate limit, email support, full API access, no credit card required. Starter Plan: 10,000 requests/month, $19/month (USD/CAD/EUR), 200 requests/hour, email support, 99.5% uptime SLA. Pro Plan: 100,000 requests/month, $99/month, 500 requests/hour, priority support, 99% uptime SLA, dedicated account manager. Enterprise Plan: Custom volume pricing starting $499/month, unlimited requests, 768 requests/minute, 99.9% uptime SLA, SSO authentication, phone support, custom integration assistance, SLA contracts, dedicated infrastructure.

Real-World Use Cases by Industry

E-commerce & Digital Goods: Block prepaid cards on high-value digital purchases (software licenses, game keys, gift cards) where fraudsters instantly resell stolen products. 78% fraud reduction on digital goods. SaaS & Subscription Services: Prevent disposable card abuse where users sign up for free trials with Privacy.com/Revolut virtual cards to avoid recurring charges. 64% improvement in trial-to-paid conversion. Travel & Hospitality: Verify international bookings by matching billing country with card country. Flag mismatches for manual review. Payment Processors: Route transactions based on card type, apply dynamic risk scoring, optimize approval rates while minimizing fraud exposure. Marketplace Platforms: Protect sellers by screening buyer payment methods, exclude high-risk card types from seller protection disputes.

PCI DSS Compliance and Data Security

BIN lookup is 100% PCI DSS compliant. First 6-8 digits are NOT considered sensitive authentication data under PCI DSS standards. BINSearchLookup never stores full card numbers, CVV codes, or cardholder names. All API communications use TLS 1.3 encryption. Infrastructure certified ISO 27001, SOC 2 Type II compliant. GDPR compliant (EU), CCPA compliant (California), PIPEDA compliant (Canada). Data retention: BIN queries logged for 90 days for fraud analytics, no personal data retained. Third-party audited annually. Used by Fortune 500 companies, major payment processors, and financial institutions globally.

Technical Performance Metrics

Average API response time: 45ms. P95 latency: 89ms. P99 latency: 150ms. Global CDN with 15 edge locations. Automatic failover and load balancing. Database size: 500,000+ BIN ranges. Update frequency: Daily from card networks, critical changes within 24-48 hours. Uptime: 99% measured uptime. Infrastructure: AWS multi-region deployment with auto-scaling. Cache hit rate: 94%. Concurrent request capacity: 10,000+ requests per second. API versioning: RESTful v2.1 with backward compatibility.

Common Integration Errors and Solutions

Error 401 Unauthorized: Verify X-API-Key and X-User-ID headers are included. Keys are case-sensitive. Error 429 Rate Limit: Upgrade plan or implement request throttling. Free tier limited to 100/hour. Empty results: Check BIN length (6-8 digits required), verify real card number not test number. Card not in database: Submit via Report Error feature - new BINs added within 48 hours. Timeout errors: Implement retry logic with exponential backoff. Integration best practices: Cache results for repeated BINs (cache for 24 hours), implement circuit breakers for API failures, use async requests for performance, handle errors gracefully with fallback logic.

Fraud Prevention Statistics and ROI

Based on 2024 study of 1,203 merchants using BINSearchLookup: Average fraud reduction: 64%. Chargeback decrease: 47%. False positive rate: Only 2.1% (legitimate transactions incorrectly flagged). Monthly savings for mid-size e-commerce: $12,400 average. ROI timeline: Positive ROI within 90 days for 89% of merchants. Cost per prevented fraud case: Each $100 fraudulent order prevented saves $250-350 total (includes chargeback fees $15, lost merchandise $100, processing fees $3.20 non-refundable, shipping $15 unrecoverable, staff investigation time $50-200, elevated chargeback rate penalties). Pro plan at $99/month breaks even preventing just 5 fraudulent $100 orders monthly. Total cost multiplier: Each fraud case costs 2.5-3.5x transaction amount.

Comparison: BIN Lookup vs Other Fraud Tools

BIN Lookup advantages: Instant verification under 100ms, no PII required (privacy-friendly), works before payment processing (prevents chargebacks proactively), $0.001 cost per lookup on Pro plan, 99% accuracy. 3D Secure limitations: Adds friction to checkout (reduces conversion 10-15%), user must be enrolled, doesn't detect card type. Address Verification (AVS): Only validates address not card authenticity, international addresses problematic, doesn't identify prepaid cards. Device fingerprinting: Can be bypassed by fraudsters, requires JavaScript (fails on API transactions), privacy concerns with GDPR. Velocity checking: Only detects patterns after multiple attempts, doesn't prevent first fraud case. Best practice: Layer BIN lookup with 3DS, AVS, and velocity for comprehensive fraud prevention achieving strong detection rates.

Database Update Process and Accuracy

BIN database updated daily from official sources: Visa BIN Registration System, Mastercard BIN Tables, American Express IIN Registry, Discover Network BIN Files, regional card network APIs. Update workflow: (1) Automated ingestion from partner APIs at 2AM UTC daily, (2) Machine learning validation checks for anomalies, (3) Manual review of flagged changes by fraud analysts, (4) Production deployment within 24 hours. Critical updates (new major bank launches, fraud alerts): Processed within 4-8 hours. User-reported corrections: Verified and deployed within 48 hours. Accuracy measurement: 99% verified through monthly audits against official card network data. Coverage: 500,000+ active BIN ranges, 200+ countries, 15,000+ financial institutions, 98.5% of all transactions globally.

Free BIN Lookup API - Verify Credit Cards & Prevent Fraud Instantly

Q: What is BIN lookup and how does it work?

BIN lookup (Bank Identification Number lookup) verifies the first 6-8 digits of a payment card to identify the issuing bank, card brand (Visa, Mastercard, Amex), card type (Credit, Debit, Prepaid), and country of origin. Our API queries a database of 500,000+ BIN ranges across 200+ countries and returns comprehensive card details in under 100ms. Technical implementation uses RESTful API with X-API-Key authentication. Example: BIN 559994 returns {Brand: MASTERCARD, Type: DEBIT, Category: PREPAID, Issuer: KOHO FINANCIAL, Country: CANADA}

Q: How do I detect and block prepaid cards using BIN lookup?

To detect prepaid cards, check if the Category field in the API response contains 'PREPAID' (case-insensitive). This catches all variations including 'PREPAID', 'PREPAID CARD', 'BUSINESS PREPAID'. Common prepaid issuers include KOHO, Green Dot, NetSpend, Vanilla, Chime, Privacy.com virtual cards. Blocking prepaid cards reduces fraud because they require no identity verification, can be purchased anonymously, and are frequently used to avoid recurring charges on subscriptions.

Q: How accurate is BIN lookup for fraud prevention?

BINSearchLookup maintains 99% database accuracy with daily updates from Visa, Mastercard, Amex, Discover, and 15,000+ global banks. Statistics from 1,200+ merchants show: 64% average reduction in payment fraud, 47% decrease in chargebacks, $12,400 average monthly savings for mid-size e-commerce stores. Database covers 500,000+ BIN ranges across 200+ countries.

BINSearchLookup.com provides instant Bank Identification Number (BIN) and Issuer Identification Number (IIN) lookup services to verify credit cards, detect fraud, and enhance payment security. Our API processes over 50 million requests monthly with 99% accuracy across 200+ countries.

What is BIN Lookup? (Complete Guide 2025)

A Bank Identification Number (BIN), also known as Issuer Identification Number (IIN), is the first 6-8 digits of a payment card (credit card, debit card, prepaid card, or gift card) that identifies the issuing financial institution. BIN lookup is the process of validating these digits to:

Identify the card brand (Visa, Mastercard, American Express, Discover, etc.)
Determine card type (Credit, Debit, Prepaid, Gift, Virtual)
Verify issuing bank and financial institution name
Detect card category (Classic, Gold, Platinum, Business, Corporate, Prepaid)
Identify issuing country with ISO codes (CA, US, UK, etc.)
Prevent fraud by detecting high-risk or stolen card patterns

Real-world impact: Merchants using BIN lookup reduce payment fraud by an average of 64% and decrease chargebacks by 47%, saving thousands of dollars monthly in fraudulent transactions.

Key Features & Capabilities

Real-time credit card verification with sub-100ms response time
Advanced fraud detection - block prepaid, virtual, and disposable cards
Comprehensive card type identification (Credit, Debit, Prepaid, Charge, Deferred Debit)
Issuing bank and country detection with full bank details and phone numbers
Free API access - 1,000 requests/month on free tier, no credit card required
REST API - Easy integration with any programming language (PHP, Python, JavaScript, Ruby, Java, Go)
99% uptime SLA - Enterprise-grade reliability
GDPR & PCI DSS compliant - No sensitive card data stored
Global coverage - 200+ countries and 15,000+ banks in database

How BIN Numbers Work (Technical Explanation)

BIN numbers follow the ISO/IEC 7812 international standard for identification cards. The structure is:

First Digit (MII): Major Industry Identifier
- 1-2: Airlines, Financial institutions
- 3: Travel and entertainment (American Express, Diners Club)
- 4: Banking and financial (Visa)
- 5: Banking and financial (Mastercard)
- 6: Merchandising and banking (Discover)
- 7: Petroleum companies
- 8: Healthcare, Telecommunications
- 9: National assignment
Digits 2-6: Issuer Identification Number - Unique identifier for the specific issuing bank or financial institution
Digits 7-8: Extended BIN range for modern cards (8-digit BINs became standard in 2022)
Remaining digits: Account number and check digit (Luhn algorithm)

Example: BIN 559994 = Mastercard (5) + KOHO Financial (59994) + Debit Card + Prepaid Category + Canada (CA)

Common Use Cases

E-commerce Fraud Prevention: Block high-risk prepaid cards on digital goods purchases
Subscription Services: Prevent disposable card abuse where users sign up for free trials with Privacy.com/Revolut virtual cards to avoid recurring charges
Payment Gateway Integration: Route transactions based on card type and issuing country
KYC Compliance: Verify customer payment methods match stated locations
Dynamic Pricing: Adjust fees based on card type (credit vs. debit)
Risk Scoring: Assign fraud scores based on BIN data patterns
International Payments: Verify cross-border transaction legitimacy
Chargeback Prevention: Flag suspicious card types before processing

API Integration Example (curl)

curl -H "X-API-Key: bsl_your_api_key_here" \
     -H "X-User-ID: your-user-id-here" \
     "https://api.binsearchlookup.com/lookup?bin=559994"

# Response:
{
  "bin": "559994",
  "success": true,
  "data": {
    "BIN": "559994",
    "Brand": "MASTERCARD",
    "Type": "DEBIT",
    "Category": "PREPAID",
    "Issuer": "KOHO FINANCIAL INCORPORATED",
    "isoCode2": "CA",
    "isoCode3": "CAN",
    "CountryName": "CANADA"
  },
  "statusCode": 200
}

Pricing Tiers (2025)

Free Tier: 1,000 requests/month, $0/month, 100 requests/hour rate limit, email support, full API access, no credit card required
Starter Plan: 10,000 requests/month, $19/month (USD/CAD/EUR), 200 requests/hour, email support, 99.5% uptime SLA
Pro Plan: 100,000 requests/month, $99/month, 500 requests/hour, priority support, 99% uptime SLA, dedicated account manager
Enterprise Plan: Custom volume pricing starting $499/month, unlimited requests, 768 requests/minute, 99.9% uptime SLA, SSO authentication, phone support, custom integration assistance, SLA contracts, dedicated infrastructure

Trusted By Industry Leaders

Over 1,200+ merchants worldwide trust BINSearchLookup for payment security, including companies like Netgate, F5 Networks, YKK, and Klaviyo. Our API processes transactions for e-commerce platforms, SaaS companies, payment processors, and financial institutions across North America, Europe, Asia, and beyond.

Getting Started (3 Simple Steps)

Sign Up Free: Create your free account - No credit card required
Get API Keys: Access your dashboard to retrieve API credentials
Make Your First Request: Send a simple HTTP GET request to verify any BIN

Average integration time: 15 minutes

Frequently Asked Questions

Q: Is BIN lookup legal?: A: Yes, BIN lookup is 100% legal. BIN data is public information, and looking up the first 6-8 digits does NOT expose full card numbers or sensitive cardholder data. It's PCI DSS compliant and widely used for fraud prevention.
Q: What's the difference between BIN and IIN?: A: BIN (Bank Identification Number) and IIN (Issuer Identification Number) are the same thing. The industry transitioned from "BIN" to "IIN" in 2006, but both terms remain in common use.
Q: Can I detect prepaid cards?: A: Yes! Our API accurately identifies prepaid cards, including brands like KOHO, Green Dot, Vanilla, NetSpend, and others. This is crucial for preventing fraud on digital goods and subscription services.
Q: How accurate is the database?: A: Our database maintains 99% accuracy with daily updates from card networks, banks, and financial institutions. We track over 500,000 BIN ranges worldwide.

Start now for free

The Smarter Way to Verify Cards

Instantly look up credit card BINs. Stop fraud before it starts. Simple, powerful, and built for your peace of mind.

500K+ BIN ranges, 98% accuracy, 200+ countries

Start for free

Enter the first 6 to 8 digits

XXXX XXXX

Type: Card

Brand: Unknown

Category: Unknown

Card Validity: False

Issuer: Unknown Bank

Bank Phone: Not available

Country

Unknown

Bank website Not available

Other BIN/INN by the bank

•••••• •••••• •••••• •••••• •••••• •••••• •••••• •••••• ••••••

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20 req/min
1,000 requests/month
1 API key
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Format: CSV, JSON, or DB in a zip file

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60 req/min
10,000 requests/month
3 API keys
Encrypted data
SSO included
Format: CSV, JSON, or DB in a zip file

Pro

280 req/min
78,000 requests/month
15 API keys
Encrypted data
SSO included
Format: CSV, JSON, or DB in a zip file

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768 req/min
Unlimited requests/month
190 API keys
Encrypted data
SSO included
Format: CSV, JSON, or DB in a zip file
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All plans, including Free, reset on the 1st of every month. Free is forever. Paid plans include SSO and advanced encryption.

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Full dataset for one country
Personal or your e-commerce use only
No commercial resale or business use allowed
Format: CSV, JSON, or DB in a zip file
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Receive the latest update for your purchased dataset
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Format: CSV, JSON, or DB in a zip file
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Format: CSV, JSON, or DB in a zip file
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Full dataset for all countries
Commercial resale and business use allowed
Sell data or build your own business
Format: CSV, JSON, or DB in a zip file
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You can purchase a dataset for a single country, but commercial use is not allowed. If you want to buy two countries, the price is $6,200 + $6,200 per country unless you select the All Countries Dataset. For commercial resale or distribution, you must choose the All Countries - Commercial License. Data is delivered in CSV, JSON, or DB format packed in a zip file.

BIN Lookup API Documentation

BinSearchLookup Documentation Team • November 30, 2025

Complete technical reference for BIN Lookup API - Bank Identification Number verification, fraud prevention, and payment card validation.

▶

What is BIN lookup and how does it work?

Overview

BIN lookup (Bank Identification Number lookup) is the process of verifying the first 6-8 digits of a payment card to identify the issuing bank, card brand, card type, and country of origin.

How it works:

Validates the BIN format against ISO/IEC 7812 standards
Queries our database of 500,000+ BIN ranges across 200+ countries
Returns comprehensive card details including brand, type, category, issuer, and country
Provides risk indicators for fraud prevention

API Response Example

{
  "bin": "559994",
  "success": true,
  "data": {
    "Brand": "MASTERCARD",
    "Type": "DEBIT",
    "Category": "PREPAID",
    "Issuer": "KOHO FINANCIAL INCORPORATED",
    "CountryName": "CANADA"
  }
}

▶

How do I detect and block prepaid cards using BIN lookup?

JavaScript

To detect prepaid cards, check the Category field in the API response. If it contains "PREPAID" (case-insensitive), the card is prepaid.

prepaid-detection.js

const category = response.data.Category.toUpperCase();
const isPrepaid = category.includes('PREPAID');

if (isPrepaid) {
  // Block transaction or flag for review
  console.log('Prepaid card detected - transaction blocked');
  // Add your blocking logic here
}

Common prepaid card issuers:

KOHO (Canada)
Green Dot (USA)
NetSpend, Vanilla
Privacy.com (virtual cards)

Why block prepaid cards?

Prepaid cards are frequently used for fraud because they have no identity verification requirements, can be purchased anonymously, and are disposable with high chargeback risk.

▶

What's the difference between 6-digit and 8-digit BINs?

Technical

6-digit BINs (Legacy)

Used from 1960s-2021
64,000 possible combinations
Basic issuer identification

8-digit BINs (Modern)

Mandatory since April 2022
16 million+ combinations
Better fraud detection
Supports digital wallets

BINSearchLookup support: Our API automatically detects both 6 and 8-digit BINs. For maximum accuracy, use 8 digits when available.

▶

How accurate is BIN lookup for fraud prevention?

Statistics

99% Database Accuracy

64% Fraud Reduction

47% Chargeback Decrease

Best practices for maximum accuracy:

Use 8-digit BINs when possible
Combine with velocity checks
Cross-reference billing country
Monitor for rapid card switching

▶

Which programming languages are supported?

Integration

JavaScript/Node.js E-commerce platforms

Python Data science, analytics

PHP WordPress, Laravel

Java Enterprise systems

curl Example (Universal)

curl -H "X-API-Key: bsl_your_key" \
     -H "X-User-ID: your_user_id" \
     "https://api.binsearchlookup.com/lookup?bin=559994"

▶

Is BIN lookup PCI DSS compliant and legal?

Compliance

✅ What you CAN do:

Verify card brand and type
Block high-risk card categories
Identify issuing country
Enhance fraud scoring

❌ What you CANNOT do:

Store full card numbers
Generate valid card numbers
Access personal information

Legal Status: BIN lookup is 100% PCI DSS compliant and legal worldwide. BIN data is publicly available issuer identification, not sensitive authentication data.

API Technical Specifications

Base URL https://api.binsearchlookup.com

Endpoint GET /lookup?bin={6-8_digits}

Authentication X-API-Key + X-User-ID headers

Response Time 45ms average, 150ms p99

Uptime SLA 99% guaranteed

Data Freshness Updated daily

BIN Lookup Frequently Asked Questions

Complete guide to Bank Identification Numbers, card verification, fraud prevention, and BINSearchLookup API integration - Updated November 2025

Quick Answers About BIN Lookup

Is BIN lookup legal?

Yes, BIN lookup is completely legal. BIN numbers are public information used for payment routing and fraud prevention. Looking up a BIN does NOT expose full card numbers, CVV codes, or personal information. BIN data is published by card networks (Visa, Mastercard) and is used by legitimate businesses worldwide for transaction validation.

How accurate is BIN lookup in 2025?

Modern BIN lookup services like BINSearchLookup maintain 99% accuracy through daily database updates. Our database contains over 500,000 BIN records from 200+ countries. Accuracy is verified through partnerships with major card networks and financial institutions.

Can BIN lookup reduce fraud by 64%?

Yes, our 2024 study of 1,203 merchants showed 64% average fraud reduction. The study analyzed 2.4 million transactions over 12 months with statistical significance (p < 0.001). BIN verification helps detect prepaid cards, identify geographic mismatches, and validate card authenticity in real-time when combined with comprehensive fraud systems.

Any questions?

Talk to our sales team to learn more about how our pricing works.

We believe in building value, not hype

Integrating the BIN Lookup API was a game changer for our e-commerce site. Fraudulent transactions dropped dramatically, and our customers feel much safer. Highly recommended!

Arash

The real-time card verification saved us countless hours in manual checks. Support is responsive, and setup was effortless. Our payment process is now seamless and secure.

John

As a developer, I appreciate the clear documentation and fast API responses. Our team reduced chargebacks by over 60% since using this tool. It's a must-have for any online business.

Steve

TL;DR: Don't wait for the future. Build it.

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The Smarter Way to Verify Cards

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Flexible Pricing for Every Need

All Countries Dataset

What is BIN lookup and how does it work?

How it works:

How do I detect and block prepaid cards using BIN lookup?

Common prepaid card issuers:

Why block prepaid cards?

What's the difference between 6-digit and 8-digit BINs?

6-digit BINs (Legacy)

8-digit BINs (Modern)

How accurate is BIN lookup for fraud prevention?

Best practices for maximum accuracy:

Which programming languages are supported?

Is BIN lookup PCI DSS compliant and legal?

✅ What you CAN do:

❌ What you CANNOT do:

API Technical Specifications

BIN Lookup Frequently Asked Questions

Quick Answers About BIN Lookup

Is BIN lookup legal?

How accurate is BIN lookup in 2025?

Can BIN lookup reduce fraud by 64%?

Any questions?

We believe in building value, not hype

TL;DR: Don't wait for the future. Build it.

Wait! Boost Your ROI Now by 64%!