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Why do I see Visa ranges starting with 5 or Mastercard ranges starting with 4?

While traditional wisdom says Visa BINs starts with 4 and Mastercard BINs with 5, networks can have overlapping ranges or special arrangements. Because Pagos gets BIN data from the card networks directly, the ranges in our database represent the legitimate assignments from the networks themselves.

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How does Pagos handle leading zeros in BINs?

Pagos created the bin_min_exact and bin_max_exact fields to store original BINs from network files. Our search algorithm checks the first two digits of the actual range against the input. For example, with input 044855, we’ll match against ranges that start with leading zeros in the actual range field.

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What does the card_brand_is_additional field mean?

card_brand_is_additional will be set to false if the BIN range is associated with a primary card network, and true if associated with a secondary network (e.g., Star, Pulse, Nyce). Secondary networks typically provide less data. If multiple networks share a BIN range and all have card_brand_is_additional set to false, the primary network will be Visa, Mastercard, Discover, or Amex.

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Does Pagos support Apple Pay DPAN and Google Pay DPAN lookups?

Yes. A device PAN (DPAN) is essentially a tokenized PAN specific to Apple Pay. You can query the first 8 digits of the DPAN and get underlying issuer details. Pagos won’t return the actual PAN when you query for the DPAN, but will provide the issuer information.

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Does Pagos support gift card networks like Blackhawk and Givex?

Not at this time. Gift card network support is on the roadmap.

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What percentage of issuers does the Pagos BIN Database cover?

Our coverage comes directly from the network files provided by Visa, Mastercard, Discover, Amex, and other supported networks. We cover all issuers those networks report on.

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Does Pagos support Interac?

Interac is not currently available.

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How does Pagos handle US Pinless Debit, Bancontact, and Dankort routing?

Pagos will share the networks available on a given account range, but won’t make routing recommendations. For cards known to be dual-branded in any market, we’ll return all the enabled networks and flag those that are considered additional.