Credit Card Integrity API

The Credit Card Integrity API ensures card authenticity by verifying payment card details, offering secure transactions and fraud prevention for online businesses.

About the API:  

The Credit Card Integrity API is a powerful tool designed to enhance the security and reliability of online transactions by providing accurate, real-time information about credit cards based on their bank identification number (BIN). As an integral facet of e-commerce and financial services, this API plays a key role in mitigating the risks associated with fraudulent activities by safeguarding the integrity of digital transactions.

One of the strengths of the Credit Card Integrity API is its real-time validation capability. As transactions unfold, the API quickly processes BIN data, providing instant feedback on the legitimacy of the credit card used. This real-time validation is critical to thwarting fraudulent activity and ensuring that only valid transactions are made, thus contributing to a more secure and reliable online environment.

Essentially, the Credit Card Integrity API leverages the bank identification number, the initial six digits of a credit card, to extract relevant information about the issuing institution. This includes details such as bank name, country of origin, card type and other crucial data. By examining this data, users can make informed decisions about the validity and legitimacy of credit card transactions, thereby fortifying their operations against potential threats.

In addition, Credit Card Integrity API is meticulously designed to integrate seamlessly with a wide variety of platforms and applications. Its user-friendly interface and standardized output make it adaptable to various systems, facilitating effortless incorporation into existing infrastructure. Whether integrated into payment gateways, e-commerce platforms or mobile applications, the API introduces an additional layer of security without compromising the user experience.

Accuracy is a paramount consideration in credit card validation, and the Credit Card Integrity API excels in this area. Leveraging comprehensive databases, the API compares the BIN provided with up-to-date information, ensuring the reliability of the results. This accuracy is indispensable for companies seeking to minimize false positives and negatives, thus achieving an optimal balance between security and user convenience.

In summary, the Credit Card Integrity API stands as an indispensable tool in the field of online transactions, providing companies with 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, the API fosters 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 Credit Card Integrity 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 Credit Card Integrity 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

Endpoints


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. 



                                                                            
GET https://zylalabs.com/api/3121/credit+card+integrity+api/3311/bin+checker
                                                                            
                                                                        

BIN Checker - Endpoint Features

Object Description
bin [Required]
Test Endpoint

API EXAMPLE RESPONSE

       
                                                                                                        
                                                                                                                                                                                                                            {"status":200,"success":true,"isValid":true,"message":"The BIN number is valid.","data":{"bin_iin":"373723","card_brand":"AMERICAN EXPRESS","card_type":"CREDIT","card_level":"OPTIMA","issuer_name_bank":"AMERICAN EXPRESS US CONSUMER","issuer_bank_website":"------","issuer_bank_phone":"------","iso_country_name":"UNITED STATES","iso_country_code":"US"}}
                                                                                                                                                                                                                    
                                                                                                    

BIN Checker - CODE SNIPPETS


curl --location --request GET 'https://zylalabs.com/api/3121/credit+card+integrity+api/3311/bin+checker?bin=373723' --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 Credit Card Integrity API REST API, simply include your bearer token in the Authorization header.
Headers
Header Description
Authorization [Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

Simple Transparent Pricing

No long term commitments. One click upgrade/downgrade or cancellation. No questions asked.

πŸš€ Enterprise

Starts at
$ 10,000/Year


  • Custom Volume
  • Custom Rate Limit
  • Specialized Customer Support
  • Real-Time API Monitoring

Customer favorite features

  • βœ”οΈŽ Only Pay for Successful Requests
  • βœ”οΈŽ Free 7-Day Trial
  • βœ”οΈŽ Multi-Language Support
  • βœ”οΈŽ One API Key, All APIs.
  • βœ”οΈŽ Intuitive Dashboard
  • βœ”οΈŽ Comprehensive Error Handling
  • βœ”οΈŽ Developer-Friendly Docs
  • βœ”οΈŽ Postman Integration
  • βœ”οΈŽ Secure HTTPS Connections
  • βœ”οΈŽ Reliable Uptime

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.

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 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.

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 Credit Card Integrity API supports multiple cards.

Zyla API Hub is like a big store for APIs, where you can find thousands of them all in one place. We also offer dedicated support and real-time monitoring of all APIs. Once you sign up, you can pick and choose which APIs you want to use. Just remember, each API needs its own subscription. But if you subscribe to multiple ones, you'll use the same key for all of them, making things easier for you.

Prices are listed in USD (United States Dollar), EUR (Euro), CAD (Canadian Dollar), AUD (Australian Dollar), and GBP (British Pound). We accept all major debit and credit cards. Our payment system uses the latest security technology and is powered by Stripe, one of the world’s most reliable payment companies. If you have any trouble paying by card, just contact us at [email protected]

Additionally, if you already have an active subscription in any of these currencies (USD, EUR, CAD, AUD, GBP), that currency will remain for subsequent subscriptions. You can change the currency at any time as long as you don't have any active subscriptions.

The local currency shown on the pricing page is based on the country of your IP address and is provided for reference only. The actual prices are in USD (United States Dollar). When you make a payment, the charge will appear on your card statement in USD, even if you see the equivalent amount in your local currency on our website. This means you cannot pay directly with your local currency.

Occasionally, a bank may decline the charge due to its fraud protection settings. We suggest reaching out to your bank initially to check if they are blocking our charges. Also, you can access the Billing Portal and change the card associated to make the payment. If these does not work and you need further assistance, please contact our team at [email protected]

Prices are determined by a recurring monthly or yearly subscription, depending on the chosen plan.

API calls are deducted from your plan based on successful requests. Each plan comes with a specific number of calls that you can make per month. Only successful calls, indicated by a Status 200 response, will be counted against your total. This ensures that failed or incomplete requests do not impact your monthly quota.

Zyla API Hub works on a recurring monthly subscription system. Your billing cycle will start the day you purchase one of the paid plans, and it will renew the same day of the next month. So be aware to cancel your subscription beforehand if you want to avoid future charges.

To upgrade your current subscription plan, simply go to the pricing page of the API and select the plan you want to upgrade to. The upgrade will be instant, allowing you to immediately enjoy the features of the new plan. Please note that any remaining calls from your previous plan will not be carried over to the new plan, so be aware of this when upgrading. You will be charged the full amount of the new plan.

To check how many API calls you have left for the current month, refer to the β€˜X-Zyla-API-Calls-Monthly-Remaining’ field in the response header. For example, if your plan allows 1000 requests per month and you've used 100, this field in the response header will indicate 900 remaining calls.

To see the maximum number of API requests your plan allows, check the β€˜X-Zyla-RateLimit-Limit’ response header. For instance, if your plan includes 1000 requests per month, this header will display 1000.

The β€˜X-Zyla-RateLimit-Reset’ header shows the number of seconds until your rate limit resets. This tells you when your request count will start fresh. For example, if it displays 3600, it means 3600 seconds are left until the limit resets.

Yes, you can cancel your plan anytime by going to your account and selecting the cancellation option on the Billing page. Please note that upgrades, downgrades, and cancellations take effect immediately. Additionally, upon cancellation, you will no longer have access to the service, even if you have remaining calls left in your quota.

You can contact us through our chat channel to receive immediate assistance. We are always online from 8 am to 5 pm (EST). If you reach us after that time, we will get back to you as soon as possible. Additionally, you can contact us via email at [email protected]

To let you experience our APIs without any commitment, we offer a 7-day free trial that allows you to make API calls at no cost during this period. Please note that you can only use this trial once, so make sure to use it with the API that interests you the most. Most of our APIs provide a free trial, but some may not support it.

After 7 days, you will be charged the full amount for the plan you were subscribed to during the trial. Therefore, it’s important to cancel before the trial period ends. Refund requests for forgetting to cancel on time are not accepted.

When you subscribe to an API trial, you can make only 25% of the calls allowed by that plan. For example, if the API plan offers 1000 calls, you can make only 250 during the trial. To access the full number of calls offered by the plan, you will need to subscribe to the full plan.

 Service Level
100%
 Response Time
185ms

Category:


Related APIs