Enhance payment orchestration
BIN Lookup Service
Streamline payment routing decisions and deliver better checkout experiences with our card brand agnostic solution for Bank Identification Number (BIN) attributes for payment card credentials and payment tokens.
View developer guide
Optimize and orchestrate payments with BIN Lookup Service
Use card brand, country, issuer, currency type, and other BIN data to enhance and streamline your customers' checkout experiences.
Address PCI compliance
Transition smoothly to support expanded BIN ranges—without adding to your PCI scope.
Address regulatory concerns
Comply with regulations and restrictions on what card types (debit, credit, or prepaid) may be used for specific payment activities.
Improve transaction approval rates
Use issuer and other card attributes to make accurate, real-time routing decisions.
Make BINs work smarter
BIN Lookup Service is a card brand agnostic solution that helps you make business-critical decisions on routing, regulatory compliance, and payment acceptance to enhance the customer experience.
- Supports industry-mandated 8-digit BINS and traditional 6-digit BINs
- Delivers high capacity, scalability, and performance to support your growth
- Taps into multiple sources of card network, regional network, and third-party BIN information for more complete, accurate results
- Supports BIN lookups for primary account numbers (PANs), network tokens, and Token Management Service tokens
- Standalone, card brand agnostic service that may be used with the payment gateway of your choice
- Identifies card products that support (or don't support) recurring payments to improve subscription services and customer retention
Single connection to provide a single source of truth for traditional and expanded Bank Information Numbers (BINs)
BIN Lookup Service manages and maintains all participating network sourced BIN files, so you don’t need to manage, source, or maintain traditional BIN files.
As BINs expand from six digits to eight digits and beyond, you need a way to accurately recognize different lengths and types of BINs, access BIN data from different sources, and create a single, trusted source of truth for BIN information.
Use cases
In Europe, PSD2 regulations require a large multi-national hotel chain to perform Strong Customer Authentication (SCA) when guests make online reservations. These requirements initially added friction and steps to the checkout process, which led to more abandoned transactions and reduced customer satisfaction.
Cybersource BIN Lookup Service helped resolve these issues, by allowing them to:
- Quickly gain visibility into the card issuers’ locations
- Use that information to apply appropriate SCA exemptions during the authorization process
- Provide optimal, compliant checkout experiences with minimal friction
Industry regulations prevent customers from using credit cards to fund their gaming accounts, which means this organization needed a fast, accurate way to determine card and payment types—and guide customers toward acceptable forms of payment—without complicating the checkout process.
Cybersource BIN Lookup Service allows them to:
- Access information about the account funding source to determine when customers are attempting to use a credit card
- Offer alternative payment methods in a convenient and unobtrusive way
- Comply with regulations without negatively impacting customers’ payment experiences
Insurance companies capture customer and billing info at account creation. To help increase payment authorization and customer retention for recurring insurance premiums billing, they need to exclude prepaid cards at checkout.
Cybersource BIN Lookup Service allows them to:
- Identify card type during payment while engaged with consumer
- Offer alternative payments methods supported by the client
- Optimizing the checkout experience for a consumer, while increasing payment authorization and customer retention for recurring payments
Learn more about BIN Lookup Service
The time has arrived. Are you ready for eight-digit BINs?
In 2017, the International Organization for Standardization announced that Bank Identification Numbers (BINs) would change from six to eight digits—effective April 2022. The time has arrived. Are you ready?
Make BIN Lookup Service part of your overall payment solution
Learn how adding Cybersource BIN Lookup Service may help you comply with 8-digit BIN mandates, make your payment processes more efficient, and deliver better payment experiences.