binThe Intelligence Layer
Beyond simple BIN lookups, our API provides a sophisticated business intelligence layer. This module helps developers optimize payment routing, predict subscription success, and detect potential fraud signals in real-time.
R
Routing Intelligence
Optimizes transaction costs by identifying card tiers and interchange fee profiles. Higher tier cards like PREMIUM_BUSINESS often incur higher processing fees.
interchange_profileLOW, MEDIUM, or HIGH estimate of processing costs.
tierClassification of the card (e.g., STANDARD_CONSUMER).
S
Subscription Intelligence
Essential for SaaS businesses. Predicts if a card is suitable for recurring billing. Identifies cards with a high likelihood of future churn or authorization failures.
is_recurring_compatibleBoolean indicating if the issuer supports recurring payments.
healthSAFE, MEDIUM, or RISK assessment of subscription longevity.
F
Security Intelligence
Performs real-time cross-referencing between the card issuer's origin and the cardholder's current IP location.
matchTrue if IP and card country match. False indicates a proxy or cross-border payment.
risk_levelSAFE, MEDIUM, or HIGH risk assessment based on geo-matching.
Intelligence Object
{
"intelligence":{
"routing":{
"tier":"STANDARD_CONSUMER"
"interchange_profile":"MEDIUM"
"recommendation":"ROUTE_STANDARD"
}
"subscription":{
"health":"SAFE"
"recommendation":"ACCEPT"
"is_recurring_compatible":true
}
"security":{
"ip_country":"US"
"card_country":"US"
"match":true
"risk_level":"SAFE"
}
}
}