Merchants have the option to perform a standalone check on a payment card's first six digits, known as BIN (Bank Identification Number). The bank identification number uniquely identifies the financial institution issuing the card. 

APEXX will return the following data points:

  • Issuer name
  • Issuer country
  • Card scheme (e.g. Visa/Mastercard)
  • Card funding type (debit/credit)
  • Card brand 

This data can then be used by the merchant for further processing decisions. Examples include:

  • To identify cards that merchants can legally levy a processing fee/surcharge on
  • To identify cards that do not require Strong Customer Authentication (SCA)
  • To reject the card if certain conditions are not met (e.g. if the issuing country is different from the cardholder's address)

Access to BIN data is subject to a monthly fee. Please contact your APEXX representative for more details on how to enable the BIN check service for your organisation.