Pagos BIN Data: The Superior Choice for Smarter Payments

BIN data is foundational to payments optimization. Whether you’re identifying customer personas and preferences, building custom fraud rules, or designing a revenue-optimizing routing strategy, you rely on BIN data. Not just any BIN data, however: accurate and updated BIN data. If you're still relying on outdated or incomplete BIN info, you're absolutely leaving money on the table and frustrating your loyal customers.

At Pagos, we not only give you BIN data you can trust, but we give it to you however and wherever you need it. Perform a quick BIN lookup, integrate BIN reviews directly into your checkout flow, or feed BIN data into your machine-learning models—no matter your BIN needs, Pagos has you covered.

What Makes Our BIN Data Different

Other BIN services get their data from acquirers, processors, or crowdsourced databases. As an inevitable result, their databases often experience gaps, mismatches, and update delays that create more questions than answers.

At Pagos, we source our 6, 7, 8, 9, and 10-digit BIN data directly from the card networks themselves, including Visa, Mastercard, Discover, American Express, and many others from around the world. Via these direct connections, we update our BIN database weekly, and provide data with each update on how many BIN ranges from each network were removed, added, or updated. The updated file includes the standard data fields you’d expect from most BIN services—bank name, card brand, country—along with enhanced fields you can’t get anywhere else (more on this below).

Lastly, we offer four different ways to access our BIN data:

• Integrate with our BIN Data API to query BINs in real time

• Perform no-code lookups in the BIN Database UI

• Download the BIN Data Batch files

• Train your AI agents with the Pagos MCP Server

Standard vs Enhanced BIN Fields

Most BIN data providers stop at brand and country. We offer enhanced data fields that reveal far more about your customers and the cards they pay with. Some examples include:

• Account updater and network tokenization eligibility

• Virtual card support

• Additional network support

• Funding source (e.g. deferred debit)

• Pre-paid indicator, reloadable, and not

• Domestic-only identifier

• Level 2 or Level 3 data eligibility

• Indication of SCA authentication requirements

• 3D Secure and ecommerce support

With the information these fields provide, you can tailor checkout experiences, reduce declines, and improve your margins. For example, when you know a debit card can be routed through multiple card networks, you design routing rules that send it down the cheapest processing path. Similarly, when you know a card requires 3D Secure authentication, you perform the proper checks to avoid unnecessary declines. Ultimately, the more data you have, the more you can do to drive payments improvements and grow revenue.

The Proof Is in the Numbers

Card networks update their BIN ranges frequently, meaning you can’t pull BIN data once and assume you’re good to go forever. According to Mastercard, merchants who only pull their BIN file monthly or quarterly have a 20-30% outdated BIN rate—that’s upwards of 40K Mastercard BINS. Back in 2021, Visa performed a related analysis, comparing their own BIN data service against third-party BIN providers who update their BIN ranges infrequently. The results were telling: the third party’s data only aligned with Visa’s records 32% of the time. That means nearly two-thirds of the information was wrong. Here’s where it fell short:

• 52% of issuer names didn’t match

• 24% listed the wrong card product

• 14% mislabeled the card type (credit, debit, or prepaid)

The Pagos BIN Database avoids these issues completely. Remember, we pull new updates directly from the card networks and publish them for our customers every single week. If your current BIN data service isn't keeping up, you're falling behind—and it will negatively impact your revenue and cost of payments acceptance.

Interested in seeing how BIN data has changed over time? We can do that, too. With a historical backlog of weekly BIN changes, we can show you what a network’s BIN ranges were on any given week. This unprecedented insight means you never perform a historical BIN data analysis with imperfect or incomplete information.

So…Why Pagos? A Quick Comparison

Ready to Get Started?

If you're guessing and ready to start knowing, check out our BIN offerings. The Pagos BIN Data tools are flexible, accurate, and built for how you actually work.