Para acceder a la API, debe hacer una solicitud POST HTTP al punto final de la API, proporcionando los primeros seis dígitos de la tarjeta de crédito (BIN) como 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 y información de ubicación. Puede integrar esta API en su aplicación o sistema para aprovechar su funcionalidad y mejorar sus capacidades de procesamiento de tarjetas 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.

La API sigue un enfoque seguro al requerir únicamente el Número de Identificación del Banco (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 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 del Autenticador de Tarjetas admite múltiples tarjetas.

El endpoint de Autenticación de Tarjeta 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, la información del banco emisor y el país de emisión.

Los campos clave en la respuesta incluyen `isValid` (indicando la validez de la tarjeta), `card_brand` (por ejemplo, RUPAY), `card_type` (por ejemplo, DÉBITO), `issuer_name_bank` y `iso_country_name`. Estos campos proporcionan información esencial para validar y procesar transacciones.

Los datos de respuesta están estructurados en un formato JSON con un objeto de nivel superior que contiene `status`, `success`, `isValid`, `message` y un objeto `data`. El objeto `data` incluye información detallada de la tarjeta, lo que facilita su análisis y utilización.

El punto final proporciona información como la validez de la tarjeta, marca, tipo, nivel, detalles del banco emisor y el país de emisión. Estos datos ayudan a evaluar la autenticidad y confiabilidad de la tarjeta de crédito.

El parámetro principal para el endpoint de Autenticación de Tarjeta es el Número de Identificación del Banco (BIN), que consiste en los primeros seis dígitos de la tarjeta de crédito. Este parámetro es esencial para recuperar la información correspondiente de la tarjeta.

La precisión de los datos se mantiene a través de actualizaciones regulares de instituciones financieras confiables y redes de tarjetas. La API emplea controles de calidad para garantizar que la información proporcionada esté actualizada y refleje los últimos datos del emisor de la tarjeta.

Los casos de uso típicos incluyen validar tarjetas de pago durante transacciones de comercio electrónico, confirmar la autenticidad de la tarjeta durante el registro de cuentas y garantizar un procesamiento seguro de pagos para servicios de suscripción y reservas de viajes.

Los usuarios pueden utilizar los datos devueltos para verificar la autenticidad de la tarjeta, evaluar los riesgos de las transacciones y mejorar las medidas de prevención del fraude. Por ejemplo, si `isValid` es falso, la transacción puede ser marcada o rechazada para prevenir un uso no autorizado.

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