---
title: Enhanced Data
slug: enhanced-data
description: Leverage enhanced BIN data for improved ICR, cost reduction, fraud monitoring, and banking insights. Explore how detailed card attributes optimize payment processing and dispute management.
docTags: 
createdAt: 2024-02-21T18:16:30.369Z
---

### 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

```json
{
  "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"
}
```