Global BIN Database
BIN Lookup Intelligence
with Card Data Straight
from the Networks
The most accurate BIN lookup tool available, with data pulled directly from Visa, Mastercard, and other card networks—not third-party aggregators.
35+ fields per BIN. Updated weekly.
Available via real-time API, batch, and no-code lookup.
For Everyone
Who Needs BIN Lookups
Bank Identification Numbers (BINs) are the first 6-10 digits of a payment card. Each BIN contains vast metadata about the card itself: the issuing bank, card brand and type, country of issuance, and even product-level details.
Payment Teams Rely on BIN Intelligence
Use the data available via BIN lookups to make real-time decisions around transaction routing, risk decisioning, interchange cost mitigation, and compliance—all before a transaction even processes.
How it works
How BIN Lookups Work
BIN lookup identifies key information about a payment card using the first 6 or 10 digits of a card number.
Extract the BIN
Bank Identification Numbers (BIN), represent the issuing bank, card network, and program.
Lookup BIN Data
Query the BIN in our database to retrieve attributes such as card brand, issuing bank, geography, and card type.
Analyze Card Attributes
Payment systems analyze BIN metadata to understand issuer details, card characteristics, and potential risk signals.
Optimize Payment
Use BIN intelligence to optimize routing, reduce fraud risk, improve authorization rates, and manage interchange costs.
Dive Deep
BIN Lookups for Deeper Insights
From interchange patterns to chargeback risk, unlock better optimizations and conversions with Pagos BIN Lookups. Explore all you can do.
Route to the Best Processor Every Time
Not all cards perform equally across all processors. The Pagos BIN Lookup API gives you all the information you need to route payments to the processor most likely to approve it. Improve efficiency, reduce declines, and drive revenue through a quick lookup.
Cut Interchange Costs with Card-Level Intelligence
Reduce the largest contributor to your processing costs with the right BIN data. The Pagos BIN Lookup API identifies when cards qualify for interchange reductions, so you can pass the right data with transactions to unlock lower rates.
Protect Subscription & Recurring Revenue
Recurring payments live and die by the quality of your card data. Perform BIN lookups to block certain cards before a subscription even starts. And when cards do change, integrate with Pagos Account Updater to update credentials automatically and reduce involuntary churn.
Catch Risk Before It’s a Problem
The Pagos BIN Lookup API helps you identify prepaid cards, flag country mismatches between the issuing bank and billing address, and build BIN-based rules that stop risky transactions before they reach your processor. And because our data updates weekly from direct card network feeds, your rules are always built off accurate information.
Maintain Global Compliance
Compliance requirements vary from card to card, and getting them wrong will cost you. The enhanced data available through the Pagos BIN Lookup API includes SCA and PSD2 authentication information, so your checkout flow can adapt in real time to what a card requires.
Global BIN Data
Not Your Average BIN Lookup
Unlike traditional BIN databases that rely on aggregated third-party data, Pagos delivers the most comprehensive global BIN intelligence available. We ingest data directly from major card networks like Visa, Mastercard, American Express, and Discover, alongside international schemes such as JCB, UnionPay, and regional debit networks across the world.
This means your BIN lookup reflects true, real-world issuer data, continuously updated to capture evolving BIN ranges, 8-digit migrations, and product-level changes globally.
Direct
Full BIN History and Continuity
Track changes in BIN ownership, card programs, and issuer relationships over time. Pagos BIN continuity enables businesses to maintain historical context as BINs migrate across issuers and payment programs.