Overview

Pagos Batched BIN Data is a file-based product that allows for bulk BIN requests and information retrieval. You can use Batched BIN Data to efficiently retrieve BIN bank and market details via a file you add into your local database—thereby integrating BIN data with any bank or customer analysis you conduct. Batched BIN Data is an in-house alternative to requesting directly from our database via the Pagos BIN Data API.

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Getting Started

Contact us to get started with Batched BIN Data.

How Batched BIN Data Works

Complete the following basic steps to update your Batched BIN Data:

1. You'll request a copy of the BIN database for use in your local environment.
2. We'll return a file with bank and market information for every BIN.
3. Retrieve bulk BIN data and add this file to your database. Now you have a local copy of the most up-to-date BIN information.
4. We'll generate and publish a new weekly file every Tuesday at 12:00 UTC, so you can repeat the process as often as you would like.

Batched BIN Ranges

When networks issue cards, they generate BINs in ranges. All BINs issued within a set range will share flags indicating card currency, cart type (e.g. prepaid, reloadable, etc.), local only, gambling enabled/not supported, etc. Because these flags are set at the range level—not the individual BIN level—Pagos Batched BIN Data similarly shares BIN details in ranges between a min and max value.

Design your search logic to search for a BIN value within a given range. For example, if you want to review details for BIN 464565, you'd generate the 19-digit value for a card number, padded with zeros; you'd then search for all the rows where the card number 4645650000000000000 is between the bin_min and the bin_max.

Overlapping BIN Ranges

In the Batched BIN Data file, it's possible for a BIN to appear in two overlapping BIN ranges. This typically indicates one of the following:

• The provided BIN is too wide of a range and more digits are required to narrow the results (e.g. the six-digit BIN is in two BIN ranges, but the eight-digit BIN is only in one)
• The given BIN has both a primary and secondary card brand associated with it. The primary card brand for the BIN will be one of the main card brands—Visa, Mastercard, Amex, and Discover; the secondary is typically a pinless debit network or a regional brand (e.g. ETPOS, Dankort, Carte Bancaire).

Identical BIN Ranges

It's possible for two networks to have identical BIN ranges. When this happens, you'll see two rows in the Batched BIN Data file with identical bin_min and bin_max values. The responses in other fields, such as card_brand and product_name will be different.

Batched BIN Data FAQ

Why are Pagos Batched BIN Data responses different from my current BIN list provider's responses?

Pagos receives BIN data directly from the card brands. As such, our response data is accurate and up-to-date according to the latest card brand records. Because other BIN providers may receive their data from third party sources outside of the card brands, we can't speak to the accuracy of their responses.

Can a BIN range with the Card Type of Credit have a Card Product name that indicates a debit card?

Yes. Some card brands issue cards marked as debit, but with a funding source that's actually credit. This is typical of corporate or professional cards where the credit line can be used despite the card product name indicating it's debit. Examples include Debit Mastercard BusinessCard and Debit Mastercard Professional Card.