BIN Lookup
Struggling to make informed payment processing decisions without detailed card data?
Easily Identify Surchargable Cards
The Problem: Without precise BIN data, merchants may miss opportunities to legally apply surcharges, leading to unnecessary costs and reduced revenue.
Our solution:
Instantly identify which cards are eligible for surcharges to maximise revenue.
Know the exact bank and type of card being used to apply appropriate fees.
Ensure surcharge rules are followed, reducing the risk of penalties and maintaining compliance with local regulations.
Identify SCA Exempt Cards Instantly
The Problem: Manually verifying Strong Customer Authentication (SCA) exemptions can slow down transactions and increase friction in the payment process.
Our solution:
Quickly flag cards that do not require SCA, reducing friction at checkout.
Stay compliant with SCA regulations while ensuring the smoothest possible customer experience.
Ensure Card and Address Consistency to combat fraud
The Problem: Processing cards from issuing countries that don’t match the cardholder's address increases the risk of fraud and non-compliance.
Our solution:
Enhance transaction security by validating cardholder data against issuing country information.
Automate card checks to ensure compliance with your internal fraud prevention rules.
FAQs
What datapoints will APEXX return on BIN check?
Data such as:
Issuer name
Issuer country
Card scheme (e.g. Visa/Mastercard)
Card funding type (debit/credit)
Card brand
Does the BIN check support all Card Schemes?
The BIN check supports all global card schemes as well as all local and co-branded card schemes globally.
Can I use the BIN check as a stand alone service?
Yes, APEXX BIN check is a stand alone service de-coupled from the APEXX payment processing APIs which can either be used prior to a payment flow with APEXX, post payment for data enrichment on in isolation.