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What’s a Issuer Identification Number (IIN/BIN) and why exactly should you care?

A Issuer Identification Number, also referred to as an Bank Identification Number (BIN). It refers 4 to six digits of the credit score, debit, or the pay as you go card that go to making up the card number that appears on the face of every credit, debit, gift, or stored value card out in circulation. Card numbers are regularized according to international standards to ensure that no two cards on the planet will happen to share a similar bank card number.

Credit & Debit Card Number Format

As per ISO/IEC 7812, the length of Credit & Debit Card number can be upto 19 digits.


P - Major industry Identifier

Q - Issuing Financial Institution identifier

R - Account Identifier up to 12 digits

S - Checksum to validate Card Number.

Where PQQQQQ combined are known as BIN number or IIN code.

Uses of IIN(BIN) Number

It is commonly used by merchants to identify the card type and issuing bank of the Credit Card.
It also helps in preventing Fraud. In case the Billing Address and the issuing country of the card is different, it may be a fraudulent transaction.

How BIN Checker Works

Do you understand that the internet based establishments loses hundreds of thousands of greenbacks every year best because of credit card fraud. Such losses may be easily averted by means of the usage of a BIN database, that's one of the fine tools that can be used to seize dozens of thieves which are involved in such scams. The BIN range look-up service may be availed by means of everybody be it the debit card or visa card consumer or the commercial enterprise owners. The bin checker's software program may be used by the ones folks that take delivery of the credit card bills online to purchase the goods. The software program can also be used as a way to further comfortable the commercial enterprise in addition to defend against fraud transaction and charge backs.