Enhanced Data

overview beyond surface level attributes, bin data will allow us to understand the following questions for improved icr can this card be used by this vendor for this purchase domestic only, gambling blocked, express benefit transfer error code additional mapping by knowing the underlying network and bank we can go to the network to find more explicit error codes (psps provide a mapped view of errors) determine if card type is worth using given error code reloadable/gift cards/preloaded cannot be reloaded so insufficient funds would mark this card as empty express benefit transfer government benefits are not eligible for many types of purchase cost reduction determine next best card to attempt (card rotator) based on bin acceptance rates (reduce retry attempts) understand expected cost of using this bin (network fees vary by bin) dispute and fraud monitoring fraud rules will differ by issuer disputes rate differ by bin success and error rates correlation between api messages and bin absence or presence of api values by psp will correlate with higher or lower success rates banking rules specific countries will have varying rates of success by bin specific currencies will have different success rates by bin enhanced data example payload { "account updater" true, "additional card brands" \[ { "card brand" "visa", "card brand product" "platinum", "card brand bank name" "example bank" } ], "alm" "managed", "authentication" { "authentication required" true, "authentication name" "3ds" }, "bank" { "name" "jpmorgan chase bank, n a ", "phone" "800 432 3117", "url" "www jpmorganchase com", "clean name" "jpmorgan chase bank, n a " }, "bin length" "6", "card brand" "visa", "card segment type" "consumer", "combo card" "gold", "cost" \[ { "cap fixed amount" 0, "cap advalorem amount" 0 0115, "cap type qualifier text" "eu xb cnp mif" } ], "domestic only" true, "gambling blocked" true, "issuer currency" "usd", "level2" false, "level3" true, "pan or token" "token", "product" { "code" "f", "name" "visa classic" }, "reloadable" false, "type" "debit" }