eftpos BIN Inquiry API
Secure access to BIN list data, made simple. Obtains the latest effective debit card and BIN payment reference data. The BIN identifies the type of card (eftpos proprietary, multi-network), card issuer, card subtype (debit, credit or pre-paid) and length of the card number (PAN). This API is ideal for caching BIN reference data in payment switches, payment gateways and merchant terminals to validate and route eftpos transactions.
Note: To ensure the most current information is used, it is highly recommended that the BIN list be refreshed on a regular basis. A weekly refresh is a good starting point as it provides a good balance between keeping the information current. However, the frequency of refresh may need to be adjusted based on factors as per the need.
How this can help your business
More secure than an email or file download
Simple to integrate into your systems
Accurate and timely information
Verify BIN numbers more efficiently
A BIN identifies the card type and sub-type, card issuer, and the length of the card number (PAN) – and with our API, you can securely access all this data instantly
Gain insights to improve decision-making
Armed with accurate reference data, you can make more informed decisions about how payments are authorised and routing, which in turn, can help prevent fraud
Enjoy seamless integration
Our API makes connecting to the eftpos scheme simple, and sets you up for straight forward automation
Eligibility
If you’re a member of the eftpos scheme, you can access the BIN Inquiry API automatically, no sponsorship required. The API is also available to merchants, ATM operators and payment gateways with sponsorship from an eftpos Member.
Using this API
Streamline processes for downloading eftpos BIN reference data
Validate card number (PAN) length based on BIN
Validate and route eftpos card present transaction types based on BIN
Validate and route eftpos card not present transaction types based on BIN
Validate and route ATM transaction types base on BIN