Under the European PSD2 directive and similar global frameworks, merchants are prohibited from surcharging consumers for use of private cards. However, corporate/commercial cards remain eligible for surcharging and often carry higher interchange fees. Reliable identification at the BIN level is required to apply these rules dynamically.
To comply with surcharge regulations and optimize routing, our extended database provides high-granularity flags beyond basic Credit/Debit types:
For high-precision identification, the following fields (12-14) are utilized in our Extended dataset:
| Field # | Attribute Name | Technical Definition |
|---|---|---|
| 12 | PAN Length | Defines the maximum length of the Primary Account Number (e.g., 16). |
| 13 | Card Segment | Defines the target audience: PERSONAL or COMMERCIAL. |
| 14 | Regulation Status | Y/N flag indicating if the BIN is subject to government interchange regulation. |
Automated surcharging for commercial cards to recover high processing costs where legally permitted.
Accurate pre-calculation of interchange costs for better margin management in real-time.
Extended flags are available in our custom high-precision builds.
Access Extended Licensing
