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BIN / IIN

The Bank Identification Number — the first 6–8 digits of a card number, also called the Issuer Identification Number. It identifies the issuing bank and country.

Definition

The BIN is the leading portion of a card’s PAN. Historically six digits, it expanded to eight in 2022. Because it maps to an issuing bank, it maps to a country — which is what makes the BIN-versus-IP mismatch a usable fraud signal. Only the BIN is ever needed; a full card number should never be transmitted to a risk API.

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