Visa BIN Attribute Sharing Service

Getting Started with Visa BIN Attribute Sharing Service

About Visa BIN Attribute Sharing Service

Visa’s BIN Attribute Sharing Service (VBASS) is an optional service that enables sharing of Visa BIN data with merchants and other entities to help improve authorization rates, reduce fraud and improve the general checkout experience.

As a part of VBASS, the Full BIN List and Single BIN Lookup APIs are available to all developers in the Sandbox. Visa requires all recipients of the BIN attribute data, register and be billed for the service. Visa licensed acquirer or issuer can register an entity to participate into VBASS program. Except as otherwise agreed upon by Visa, participation is further subject to agreement to the VBASS specific terms, as well as Visa approval. A detailed overview of additional requirements, participation criteria, billing and exceptions can be found on Visa Online

Visa retains the right to review your project's implementation of these APIs before on-boarding to ensure that they are being used appropriately.

Availability

The following table lists the regional availability for Visa BIN Attribute Sharing Service. To view availability of all products, refer to the Regional Availability.

North America Asia-Pacific Europe CEMEA LAC Notes
    KEY
  • Available in entire region
  • Not available
  • See notes for available countries

Things to Know

VBASS has two APIs that give you different ways of accessing the Visa BIN Information - Full BIN List API and Single BIN Lookup API. 

 

Full BIN List API: This API allows an entity to request a full file list of issuer BIN Attributes. There are three Levels Of Access-

o Level 1—Basic: This is the only subscription option that has no program fees and does not require registration, except for a relevant VDP Agreement and applicable onboarding fees.

o Level 2—Advanced: These issuer BIN attributes address most use cases and include account funding source, product ID, issuer country and others. See the Levels of Access section below for a complete list.

o Level 3—Complete: This is the most comprehensive list of issuer BIN attributes. It includes the attributes from the advanced level and account funding source subtype and issuer name.

 

ATTRIBUTE

LEVEL 1 - Basic

LEVEL 2 - Advanced

LEVEL 3 - Complete

Description

Issuer BIN

Yes

Yes

Yes

Bank Identification Number (BIN) of the issuer of the account.

Account Range Minimum/Maximum

Yes

Yes

Yes

 

PAN/Token Indicator

 

Yes

Yes

Indicates if  Pan or Token number

Issuer Billing Currency

 

Yes

Yes

Card issuance currency 

Issuer Country Code

 

Yes

Yes

Card issuance country

Product Platform

 

Yes

Yes

Indicates if  consumer BIN or commercial BIN

Product ID/Name

 

Yes

Yes

Indicates type of Visa product (e.g., Visa Signature, Visa Infinite, Visa Classic)

Account Funding Source

 

Yes

Yes

Indicates if credit, debit or prepaid

Account Funding Source Subtype

 

 

Yes

Indicates if reloadable or non-reloadable prepaid

Issuer Name

 

 

Yes

Name of the Card Issuer



Single BIN-Lookup API:
This API allows an entity to request issuer BIN attribute data on an account-by-account basis. This capability provides Level 3 data by default and includes Account Level Management data for product ID, as provided by participating issuers. The service supports both six and eight-digit BINs. To use the Single BIN Lookup API, you must provide a valid Visa Primary Account Number (PAN) or Token in the request message. The response message will list all the BIN attributes as listed under Level 3 - Complete column on the table above.

 

Refer to API Reference to learn more about every individual request and response parameters. A complete list of all of the related code values and their names can be found in the Request and Response Code Reference.

Any access and use for both the Full BIN List API and the Single BIN Lookup API require the participant to be a Visa licensed acquirer or issuer (or sponsored by a participating Visa licensed acquirer or issuer) and is subject to approval by Visa for permissible use cases only. Payment Card Industry Data Security Standard (PCI DSS) compliance is required of all entities that store, process, or transmit Visa cardholder data, including financial institutions, merchants and service providers. The utilization of Single BIN Lookup API requires the participant to be PCI DSS compliant.

Please contact your Visa Account Representative with more information on how to register for and participate in the VBASS.