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Why might the product information differ from what’s returned by my acquirer or processor?

In the US and some other markets, card networks offer account-level management, which allows issuers to upgrade a basic card to a more premium card. Card networks don’t track these upgrades, as they are preformed at the issuer-level. When this happens, the PAN-specific product code will differ from the BIN-level product designation. For example, a BIN range might be designated for Visa Classic cards, but individual accounts within that range can be upgraded to higher-tier products like Visa Signature or Visa Infinite. Pagos only receives information for what is tracked at the network-level today.

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Is there a flag to identify cards enabled with BNPL (Buy Now Pay Later)?

There is not a BNPL flag in the BIN file, as BNPL is not enabled on a card at the BIN level.

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How do I identify corporate and small business cards?

Compare the product_name field with the product code guide to identify corporate and business card products.

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How are prepaid and reloadable flags determined?

The logic differs by each card network:
  • Amex - Maps based on the Amex product code according to internal mapping tables
  • Discover - Maps based on product codes in internal mapping tables
  • Mastercard - The reloadable field will be set to true if fundingSource = PREPAID and nonReloadableIndicator = FALSE; the prepaid field will be true if fundingSource = PREPAID
  • Visa - The reloadable field will be set to true if AccountFundingSourceSubtypeCd = R; prepaid will be true if AccountFundingSourceCd = P

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Can a card be both type = CREDIT and funding_source = DEBIT (or vice versa)?

Yes, this is possible. The funding_source indicates the mechanism behind how funds or credit is replenished, while card type is the top-level classification. For example, a Corporate debit card could have a short-term line of credit attached (funding_source = CREDIT), or a credit card could be funded from a bank account balance (funding_source = DEBIT). Similarly, a card can be type = CREDIT and have a product name that indicates a debit card. Some card networks issue cards marked as debit, but with a funding source that’s actually credit. This is typical of corporate or professional cards (e.g. Debit Mastercard BusinessCard and Debit Mastercard Professional Card).

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What does the regulated flag indicate?

The regulated flag depends on network-specific logic and is only populated for Visa and Mastercard in the US. For Visa, it comes directly from the network source. For Mastercard, Pagos uses the Federal Reserve data on small issuer exemption logic that matches bank names and applies the flag to US debit/prepaid products with specific criteria.