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UTILIZING EXTENDED BIN NUMBERS

High-Precision BIN Identification: 8 to 11 Digit Support

As the payment industry moved to the ISO/IEC 7812-1:2017 standard, 6-digit identification is no longer sufficient for accurate transaction routing and risk assessment. BinBase.com provides extended datasets to handle sub-ranges within a single 6-digit prefix.

Implementation of 8-Digit BIN Mandate

Visa and Mastercard have fully transitioned to 8-digit BINs as the standard for issuer identification. Our database supports this granularity, allowing systems to distinguish between different card products (e.g., Debit vs. Credit) that share the same 6-digit lead.

Sub-Range Differentiation Examples

Below is a technical representation of how extended identification resolves product categories within the same 6-digit prefix.

Case A: 8-digit differentiation (Single 6-digit prefix)

54661621;MASTERCARD;BANK OF MONTREAL;CREDIT;WORLD ELITE;CANADA;CA;CAN;124;;

54661625;MASTERCARD;BANK OF MONTREAL;CREDIT;PLATINUM;CANADA;CA;CAN;124;;

Case B: 11-digit high-precision mapping

22310320721;MASTERCARD;CHINA CITIC BANK;DEBIT;GOLD;CHINA;CN;CHN;156;;

22310320722;MASTERCARD;CHINA CITIC BANK;DEBIT;PLATINUM;CHINA;CN;CHN;156;;

22310320723;MASTERCARD;CHINA CITIC BANK;DEBIT;WORLD;CHINA;CN;CHN;156;;

Technical Implications

Routing Precision Extended BINs enable accurate interchange fee calculation and transaction routing by correctly identifying the card level.
Regulatory Compliance Essential for compliance with regional regulations (e.g., Durbin Amendment in the US) where fees depend on the specific card type.
Data Integrity Prevents "collisions" where different banks or products appear to use the same BIN due to 6-digit truncation.

Extended 8-11 digit data is available under our Extended License tier.

Review License Specifications