Stop Wasting Time and Money on Flawed BIN Data.
Trying to use free, cheap, or "official" BIN databases to power your payment systems seems smart, but it often leads to major financial risks and operational headaches. Don't let inaccurate card information compromise your revenue, fraud defense, or payment acceptance.
BINBASE.COM offers the true, high-quality, comprehensive BIN data your business needs to operate flawlessly.
The Hidden Costs of Relying on Poor BIN Data
Most BIN data solutions available online are plagued with critical problems that can immediately impact your business's bottom line.
The Problems with "Official" Scheme Data
Official data sources are often too restrictive, inconsistent, and expensive for reliable day-to-day operations:
- Closed Access & High Barriers: Official data is kept close to the chest and is not available through open public channels. For example, official Visa BIN data is typically only accessible to eligible entities (issuers, acquirers, merchants, and specific third parties) through a paid service like the Visa BIN Attribute Sharing Service (VBASS). Most merchants and third parties cannot self-register; they must be registered by their acquirer or a sponsored third party and provide a valid business justification.
- Limited Scope & High Fees: You're typically restricted to only one card scheme, leaving major gaps in your coverage. Getting access often means paying a hefty "initiation fee" of $15,000 or more.
- Critical Inconsistency: Official data is prone to mislabeling and internal contradiction. For example, a prepaid card might be mistakenly tagged with the MMC (Credit), creating errors in payment processing.
Example of Mislabeling (Prepaid as Credit):
If you process this as a credit card, you may be in trouble:
Prepaid Financial Services Ltd,30869,5238412900000000000,5238412999999990000,MRG,MASTERCARD PREPAID NON US GENERAL SPEND,MCC,GBR
This record shows a MASTERCARD PREPAID card incorrectly labeled with MCC (Credit). Sometimes the MCC is not even present, making it impossible to identify and process such data consistently.
- Simplified Data Gaps: MasterCard offers a free simplified BIN table, but it's free and simplified for a reason: more than 20% of BINs are missing, and they suffer from the same errors as the paid versions. To get a full version, you will incur a large fee.
The Risk of "Free" and Competitor Data
| Source |
Problem |
Impact |
| Free Providers |
No accountability. The data can be up to 10 years old and is often sourced from stolen, outdated copies of our database (we have documented cases). |
High Fraud Risk. Your fraud models fail due to expired, inaccurate, or missing records. |
| Other Providers |
Outdated BIN structure and inconsistent pricing. They often only support 6 and 8-digit BINs, ignoring the growing use of 9, 10, and 11-digit BINs. |
Lost Sales & Confusion. You cannot correctly identify or route modern payment types. |
Example of Overlapping/Conflicting Records (Same BIN, Different Details):
When faced with these conflicting records, how can you know what the BIN 44352125 belongs to?
Visa, Visa Classic, consumer, debit, US, USD, 44352125, 44352125, Fedex Employees Credit Association Federal Credit UnionVis, Visa Classic, consumer, debit, DK, DKK, 44352125, 44352125, Nordea Bank Danmark A/S
This level of inconsistency leads to guaranteed processing errors.
Pricing Traps: One competitor charges about $10,000 upfront. Others look cheaper at $300/month, but this becomes far more expensive over the long term. Higher Long-Term Cost. Our maximum option is $2,999 for two years, offering predictable, superior value.
BINBASE.COM: The True Standard in BIN Intelligence
We don't just compile data; we actively curate, verify, and maintain the highest-quality BIN database in the industry. HERE'S WHY:
1. Unmatched Data Depth and Coverage
- Future-Proof BINs: We offer comprehensive coverage not only for the "traditional" 6 and 8-digit BINs but also the emerging 9, 10, and 11-digit BINs that other sources miss.
- One-Stop Shop: Get reliable data for all brands and schemes, from major players like Visa and Mastercard to many essential local ones.
2. Superior Data Sourcing and Verification
Our process guarantees the freshness and accuracy of every record:
- Core Partner Data: We start with the core data provided by our partner banks, which we receive in data dumps one to two times weekly. While this data is 100% reliable, it may lack some information (e.g., missing card products) or contain outdated details.
- Real-World Acquisition: The most tedious but also most vital aspect of our workflow is the acquisition (and even purchasing) of real card data from our private contributors. This includes scanned card images, photos, and a variety of information collected directly from real customers.
- Checklist Maintenance: We maintain exhaustive "checklists" that consist of actual, non-expired card information. All data sources and BIN lists are received from numerous sources and cross-checked against these living checklists to ensure quality. If a source shows significant discrepancies, we discontinue its use. We work hard every day to keep these lists live and representative by removing expired cards and adding those that are newly issued.
3. State-of-the-Art Processing and Quality Control
Our data handling ensures consistency and completeness:
- Automated Data Processing: We use dozens of custom software solutions for daily processing, including OCR (Optical Character Recognition), formatting, data search and replacement, and many other tasks that occur on a daily basis.
- Expert Manual Processing: Not all of our incoming data can be processed automatically. We pass it to our chief developer, and he decides how to proceed. If it can be done automatically, he creates a project for the developers; if not, the data is passed to data processing specialists to be processed manually.
- Monthly Release Cycle: We maintain daily communication with contributors, compile custom database builds for our Extended License customers (upon request), and prepare files for our monthly releases. This consists of various file consistency checks and other final amendments, if needed.
4. Dedicated Customer Service and Customization
- Free Customization: We offer free database customizations like database reformatting, adding new flags, and extra features like those detailed here: https://www.binbase.com/extra.html
Stop risking revenue on low-quality data. Start processing payments with confidence.
