BIN Checker API

BIN Checker API

This API enables you to validate the legitimacy of credit cards during transactions on your website.

API description

About the API:  

The BIN Checker API is a powerful tool designed to improve the security and reliability of online transactions by providing accurate, real-time information about credit cards based on their Bank Identifier Number (BIN). As a fundamental component of e-commerce and financial services, this API plays a crucial role in mitigating the risks associated with fraudulent activities and ensuring the integrity of digital transactions.

In essence, the BIN Checker API leverages the bank identification number, the first six digits of a credit card, to retrieve relevant information about the issuing institution. This includes the bank name, country of origin, card type and other essential information. By analyzing this data, companies can make informed decisions about the validity and authenticity of credit card transactions, thus protecting their operations from potential threats.

One of the strengths of the BIN Checker API is its real-time validation capability. As transactions occur, the API quickly processes BIN data, providing instant feedback on the legitimacy of the credit card used. This real-time validation is essential to prevent fraudulent activity and ensure that only valid transactions are made, contributing to a more secure and reliable online environment.

In addition, BIN Checker's API is designed to integrate seamlessly with a variety of platforms and applications. Its user-friendly interface and standardized output make it adaptable to different systems, allowing users to incorporate this tool into their existing infrastructure with ease. Whether integrated into payment gateways, e-commerce platforms or mobile applications, the API adds a layer of security without compromising the user experience.

Accuracy is paramount when it comes to validating credit cards, and the BIN Checker API excels in this regard. Leveraging comprehensive databases, the API cross-references the BIN provided with up-to-date information, ensuring the reliability of the results. This accuracy is vital for companies looking to minimize false positives and negatives, striking the right balance between security and convenience.

In conclusion, the BIN Checker API is an essential tool in the field of online transactions, offering businesses a robust solution for credit card validation. Its real-time capabilities, seamless integration, accuracy and contribution to regulatory compliance make it an invaluable asset in the fight against fraud, ultimately fostering a secure and reliable digital ecosystem for both businesses and consumers.


What this API receives and what your API provides (input/output)?

It will receive parameters and provide you with a JSON.


What are the most common uses cases of this API?

  1. Fraud Prevention: Utilize the BIN Checker API to identify potential fraudulent transactions by verifying the legitimacy of the credit card through its Bank Identification Number (BIN).

    Payment Gateway Integration: Integrate the BIN Checker API into your payment gateway to ensure that only valid credit cards are accepted, reducing the risk of chargebacks.

    Subscription Services: Verify the authenticity of credit cards used for subscription-based services to prevent unauthorized access and ensure seamless recurring payments.

    E-commerce Transactions: Enhance the security of e-commerce transactions by validating credit cards at the point of purchase, minimizing the chances of accepting fake or stolen card details.

    Membership Portals: Secure access to premium content or services by verifying the validity of credit cards during the registration process for membership portals.


Are there any limitations to your plans?

  • Basic Plan: 1,000 API calls per day.

  • Pro Plan: 1,000 API calls per day. 

  • Pro Plus Plan: 10,000 API calls per day

API Documentation


Be able to validate any credit card based on its BIN number (first 6 digits).

Receive data from the Credit Card, CC Issuer, Card Type, Card Level, Card Brand, Issuer Country, and more. 


BIN Validation - Endpoint Features
Object Description
bin [Required]
Test Endpoint


                                                                                                                                                                                                                            {"status":200,"success":true,"isValid":true,"message":"The BIN number is valid.","data":{"bin_iin":"444444","card_brand":"VISA","card_type":"CREDIT","card_level":"GOLD","issuer_name_bank":"CREDIT AGRICOLE BANK POLSKA, S.A.","issuer_bank_website":"------","issuer_bank_phone":"022-2133067","iso_country_name":"POLAND","iso_country_code":"PL"}}


curl --location --request GET '' --header 'Authorization: Bearer YOUR_API_KEY' 


API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the BIN Checker API REST API, simply include your bearer token in the Authorization header.


Header Description
Authorization [Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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The BIN Checker API supports multiple cards.

To access the API, you need to make an HTTP POST request to the API endpoint, providing the first six digits of the credit card (BIN) as a parameter. The API will then respond with a JSON object containing the requested information about the credit card, including its validity, issuing bank details, and location information. You can integrate this API into your application or system to leverage its functionality and enhance your credit card processing capabilities.

The API response includes detailed information about the credit card. This includes information such as the validity of the card (whether it is valid or not), the level of the card (e.g., fleet purchase), the currency associated with the card, and the country of issuance.

The API follows a secure approach by only requiring the Bank Identification Number (BIN), which consists of the first six digits of a credit card. This approach avoids the need to transmit or store sensitive credit card details.

The API allows developers to validate and verify credit card information using the bank identification number (BIN). By providing the first six digits of a credit card, you can verify whether it is a valid credit card or not.

Zyla API Hub is, in other words, an API MarketPlace. An all-in-one solution for your developing needs. You will be accessing our extended list of APIs with only your user. Also, you won't need to worry about storing API keys, only one API key for all our products is needed.

Prices are listed in USD. We accept all major debit and credit cards. Our payment system uses the latest security technology and is powered by Stripe, one of the worldโ€™s most reliable payment companies. If you have any trouble with paying by card, just contact us at [email protected]

Sometimes depending on the bank's fraud protection settings, a bank will decline the validation charge we make when we attempt to be sure a card is valid. We recommend first contacting your bank to see if they are blocking our charges. If more help is needed, please contact [email protected] and our team will investigate further

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