BIN Benchmark API Dictionary - Pagos

This guide is a repository of information about the fields returned by the Pagos BIN Benchmark API. The response contains benchmark metrics for a given BIN range (when available), allowing you to compare your performance to that of the broader Pagos network.

BIN Benchmark Object Fields

Data Field	Variable Type	Required	Description	Example
`bin_benchmark`	object	No	Top-level benchmark object; `null` if the BIN doesn’t exist or there isn’t enough network data to calculate a benchmark	see nested value
`bin_matched`	integer	Yes	The BIN prefix actually used to calculate the benchmark. Can be shorter than the queried `bin` value if Pagos falls back to a shorter prefix with sufficient data; see Partial Matches	`412345`
`auth_rate`	object	Yes	Approval rate metrics for the matched BIN	see nested values
`cardholder_initiated`	number	Yes	Network approval rate for customer-initiated transactions (CITs) on the matched BIN	`0.865`
`merchant_initiated`	number	Yes	Network approval rate for merchant-initiated transactions (MITs) on the matched BIN	`0.838`

Example Response

{
  "bin_benchmark": {
    "bin_matched": 412345,
    "auth_rate": {
      "cardholder_initiated": 0.865,
      "merchant_initiated": 0.838
    }
  }
}

Missing or Insufficient Data Response

{
  "bin_benchmark": null
}