# BIN Lookup source: https://developer.mastercard.com/bin-lookup/documentation/index.md ## Overview {#overview} BIN Lookup is a REST API for retrieving Mastercard BIN account range data, including single lookups, filtered searches, full downloads, and deltas. It helps teams identify card and issuer attributes quickly so they can make better routing, fraud, and customer experience decisions. To learn about the data available from BIN Lookup, see [Data Elements](https://developer.mastercard.com/bin-lookup/documentation/tutorials-and-guides/data-elements/index.md). Bank Identification Numbers (BINs) comprise the first 6 to 11 digits of a payment card number. These digits identify the issuing bank or financial institution, along with a range of other attributes. BIN data is essential for verifying card validity, preventing fraudulent activity, and optimizing payment routing. Originally developed by the International Organization for Standardization (ISO) to identify issuers of internationally accepted cards, BIN data is now widely used by merchants, payment processors, and fraud detection systems. A BIN indicates key details such as the issuing bank or financial institution, the type of card (e.g., credit or debit), and the region in which the card was issued. This information helps reduce fraud by validating the card and confirming that it belongs to the person using it. Additionally, BIN data enable businesses to screen transactions for risk, route transactions according to custom logic, and analyze payment activity to identify trends and insights. ### Who It Serves {#who-it-serves} BIN Lookup supports participants across the payments ecosystem, including merchants, payment processors, acquirers, and fraud and risk teams. Common industries and use cases include e-commerce, digital payments, subscription services, fraud prevention, and customer support operations. ### Business Value {#business-value} BIN Lookup helps organizations: * Improve payment routing decisions and transaction efficiency. * Strengthen fraud decisioning with issuer, country, and product-level BIN insights. * Improve checkout and customer experience through more accurate card intelligence. * Reduce manual investigation effort in customer support and operations. ## How It Works {#how-it-works} The BIN Lookup service provides three APIs: full or filtered BIN range retrieval, single BIN lookup, and incremental delta updates. Learn more about account ranges, BINs, and product capabilities in the following video. Note: Mastercard also offers a [Simplified BIN Account Range Table (SBART)](https://developer.mastercard.com/bin-lookup/documentation/pricing-plans/free-plan/index.md) file as a static alternative to the API. For more information about the data that the SBART file and the API provide, see [Data Elements](https://developer.mastercard.com/bin-lookup/documentation/tutorials-and-guides/data-elements/index.md). ### Core Flows {#core-flows} * **Single Lookup**: Query one BIN in real time for account range attributes. * **Filtered Search**: Retrieve targeted BIN datasets using issuer, product, or country filters. * **Full Download**: Use pagination to retrieve the full available BIN dataset for batch or offline use. * **Delta Updates**: Retrieve incremental changes between snapshots to keep local data in sync. ### Integration at a Glance {#integration-at-a-glance} | Detail | Description | |-------------------------|----------------------------------------------------| | **Authentication** | OAuth 1.0a | | **Transport Security** | TLS encryption on all requests | | **Sandbox Base URL** | `https://sandbox.api.mastercard.com/bin-resources` | | **Production Base URL** | `https://api.mastercard.com/bin-resources` | | **Data Format** | JSON request and response bodies | | **Update Frequency** | Data refreshed daily at 12:35 AM CST | ## Good to Know {#good-to-know} ### Before You Start {#before-you-start} Learn about key concepts and find out how to quickly connect to the service using our [Quick Start Guide](https://developer.mastercard.com/bin-lookup/documentation/quick-start-guide/index.md). It only takes 10 minutes. ### Available Plans {#available-plans} The BIN Lookup Service provides three unique plans tailored to meet various customer needs. After testing the API in the Sandbox environment, you must select a plan for production access. We recommend thoroughly reviewing each plan to choose the one that best aligns with your requirements. See [Available Plans](https://developer.mastercard.com/bin-lookup/documentation/pricing-plans/index.md) for more information. To discuss directly with the team, feel free to [contact us](mailto:DBN.BinTableResource.Support@mastercard.com). ## Next Steps {#next-steps} ### Mastercard API Basics {#mastercard-api-basics} Find out how to get set up with a project and learn about client authentication. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/api-basics/index.md) ### Explore Capabilities {#explore-capabilities} BIN Lookup is simple but mighty, learn how it can be used. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/use-cases/index.md) ### Quick Start {#quick-start} Learn how to go from account setup to your first successful Sandbox request for BIN Lookup. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/quick-start-guide/index.md) ### Developer Tooling {#developer-tooling} Use our Postman Collection, Insomnia plug-in, and sample code to accelerate development. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/developer-tools/index.md) ### API Reference {#api-reference} Check out our API design in full. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/api-section/index.md) ### Get Ready for Production {#get-ready-for-production} Find out about the stages to progress your integration to production. [Learn more →](https://developer.mastercard.com/bin-lookup/documentation/tutorials-and-guides/onboarding-checklist/index.md)