La API permite a los desarrolladores validar y verificar la información de tarjetas de crédito utilizando el número de identificación bancaria (BIN). Al proporcionar los primeros seis dígitos de una tarjeta de crédito, puedes verificar si es una tarjeta de crédito válida o no.

La API sigue un enfoque seguro al requerir únicamente el Número de Identificación Bancaria (BIN), que consiste en los primeros seis dígitos de una tarjeta de crédito. Este enfoque evita la necesidad de transmitir o almacenar detalles sensibles de la tarjeta de crédito.

La respuesta de la API incluye información detallada sobre la tarjeta de crédito. Esto incluye información como la validez de la tarjeta (si es válida o no), el nivel de la tarjeta (por ejemplo, compra de flota), la moneda asociada con la tarjeta y el país de emisión.

Para acceder a la API, necesitas hacer una solicitud HTTP POST al punto final de la API, proporcionando los primeros seis dígitos de la tarjeta de crédito (BIN) como un parámetro. La API responderá con un objeto JSON que contiene la información solicitada sobre la tarjeta de crédito, incluyendo su validez, detalles del banco emisor e información de ubicación. Puedes integrar esta API en tu aplicación o sistema para aprovechar su funcionalidad y mejorar tus capacidades de procesamiento de tarjetas de crédito.

La API de consulta de BIN admite múltiples tarjetas.

El endpoint del verificador de BIN devuelve un objeto JSON que contiene detalles sobre la tarjeta de crédito asociada con el BIN proporcionado. Esto incluye la validez de la tarjeta, la marca, el tipo, el nivel, el nombre del banco emisor, el país de emisión y la información de contacto del emisor.

Los campos clave en los datos de respuesta incluyen `isValid` (indicando la validez de la tarjeta), `card_brand` (por ejemplo, MASTERCARD), `card_type` (por ejemplo, DÉBITO), `issuer_name_bank`, `iso_country_name` y `iso_country_code`. Estos campos proporcionan información esencial para la validación de transacciones.

Los datos de respuesta están estructurados en un formato JSON. Incluye un código `status`, un booleano `success`, un `message`, y un objeto `data` que contiene información detallada sobre la tarjeta de crédito, lo que facilita su análisis y utilización en aplicaciones.

El punto final del verificador de BIN proporciona información como la validez de la tarjeta, la marca, el tipo, el nivel, los detalles del banco emisor y el país de emisión. Estos datos ayudan a evaluar la legitimidad de las transacciones con tarjetas de crédito.

El parámetro principal para el endpoint del verificador de BIN es el BIN en sí, que consiste en los primeros seis dígitos de una tarjeta de crédito. Los usuarios deben asegurarse de que el BIN sea numérico y válido para recibir resultados precisos.

La precisión de los datos se mantiene mediante el uso de bases de datos completas y actualizadas regularmente que rastrean la información del BIN. La API realiza una referencia cruzada del BIN proporcionado con estas bases de datos para garantizar resultados fiables.

Los casos de uso típicos incluyen la prevención de fraudes durante transacciones en línea, la validación de tarjetas de crédito en pasarelas de pago, la verificación de autenticidad para servicios de suscripción y la seguridad de las transacciones de comercio electrónico al verificar los detalles de la tarjeta en el punto de compra.

Los usuarios pueden utilizar los datos devueltos para tomar decisiones informadas sobre las transacciones con tarjetas de crédito. Por ejemplo, si `isValid` es falso, pueden marcar la transacción para una revisión adicional o rechazarla, mejorando la seguridad y reduciendo el riesgo de fraude.

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