What's a bank card BIN code? What's its effect?

Bank Infrastructure Number, usually refers to the top six to eight of the bank card numbers. bits. In many scenarios, such as financial transactions, payment gateway access, and electrician anti-fraud, BIN The Code plays an irreplaceable role in the ground-based identification.

1. What are the key messages contained in the BIN code?

Network of issuing agencies: For example, it is usually VISA at the beginning of 4 and MasterCard at the beginning, and UnionPay at the beginning.
Bank of cards: It is issued by the Bank of Commerce and Industry, the Bank of Business and Commerce or the Bank of Construction.
Card level and type: It can be accurately distinguished between debit cards (saving cards), credit cards (credit cards), quasi-credit cards or prepaid cards, even from Puka, gold or platinum cards.

2. Why do developers and businesses need to check out BIN?

For electrical platform and independent station developers, pass BIN when user binds bank cards The code allows for the identification of the issuer's bank, which can be extremely convenient:

Upgrading user experience: The user enters a card prefix and automatically displays the Logo of the corresponding bank at the front end without the user having to choose the bank manually.
Wind control and anti-fraud: If you identify the card as a distribution bank in a high-risk area or a Prepayed card Card, often used in fraud) allows the system to intercept or require additional 3D security authentication in a timely manner.
Cost calculations: Different types of cards (debit card vs credit card) may be subject to different processing rates when paying a route settlement, and the business can rely on BIN Pre-estimation of rates or restriction of payment modalities.

3. Privacy and security statements using the tool

We are aware of the sensitivity of financial data. This query tool Base prefix match only at the frontend of your browser , for the identification of card organizations and issuers. Your full bank card number will never be uploaded, stored or transferred to any server 。 To protect privacy completely, you can actually only enter the first six-bit number of a card number to get the exact result of the query.