Our platform enables you to detect the card brand that your customers intend to use for their purchases. If a card is co-branded (e.g., local and international), you can allow customers to set their preferred brand. Please note that, in accordance with European regulations, you are required to offer customers a choice when they use co-badged cards. For more details, please refer to our API documentation on utilizing this feature.

The Bank Identification Number (BIN) consists of the first six digits of a credit card number and identifies the bank that issued the card. When BIN Check is activated, the PAYONE platform verifies whether the billing country matches the issuing bank's country. While it’s not always possible to definitively identify the issuing country via the BIN, transactions are still permitted in such cases. If a mismatch occurs, the transaction may either be rejected or a follow-up check can be initiated.

The BIN Check feature is available for all countries and can only be executed during a transaction through the PAYONE platform (e.g., during reservation or purchase).

By utilizing the BIN, you can identify the country of the card-issuing bank.

Please use card type Visa and any 3-digit CVC for this data