Operating in the payments ecosystem requires strict adherence to security protocols and regional financial laws. This reference outlines how BIN data supports compliance with PCI DSS, US Durbin Amendment, and EU PSD2 directives.
A common concern for developers is whether storing BIN data violates PCI DSS (Payment Card Industry Data Security Standard).
According to PCI DSS requirements, the Primary Account Number (PAN) must be protected. However, storing the BIN (the first 6 or 8 digits) and the last 4 digits is generally permitted for business purposes, provided they are not stored in a way that allows the full PAN to be reconstructed. Our database allows you to identify card attributes using only these non-sensitive prefixes.
Under the Dodd-Frank Act, interchange fees for debit cards are capped for "Regulated" issuers (banks with assets over $10B).
The European Union’s Revised Directive on Payment Services (PSD2) prohibits surcharging on consumer (personal) credit and debit cards. However, Commercial/Corporate cards are exempt from this ban.
To maintain compliance while optimizing revenue:
Accurate BIN identification is not just a technical requirement—it is a legal safeguard. By differentiating card types and regulatory statuses at the point of entry, merchants can automate compliance, avoid fines, and protect their processing margins.
Regulatory flags are available in our Extended License build.
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