Adyen BinLookup API
Adyen BinLookup API
Adyen BIN Lookup API returns card info from the first 6-8 digits of a PAN (BIN) — issuing bank, country, card type (debit/credit), product type.
BIN database covers all major issuers globally
Newly issued BINs may take weeks to be indexed
POST /pal/servlet/BinLookup/v54/get3dsAvailability with cardNumber (or BIN) + amount — returns card info and 3DS availability.
Uptime · 30-day window
About this API
A BIN (Bank Identification Number) is the first 6-8 digits of a card number, encoding the issuer. BIN Lookup API lets you fetch card metadata without actually authorizing — card brand (Visa/MasterCard/AmEx), issuing country, issuer bank name, card type (debit/credit/prepaid), product type (personal/commercial/corporate), and 3DS availability. Most common use: frontend UX — display the correct card logo as the user types (builds trust). Next: routing decisions — pick the optimal clearing rail based on issuing country. Then: risk scoring — commercial cards typically have lower risk than personal. Adyen offers this as part of the payment service at no extra charge.
What you can build
- 1Frontend real-time card-brand logo display (recognize on BIN entry)
- 2Decide 3DS requirement based on issuing country
- 3Distinguish commercial vs personal cards (different fees)
- 4Card profiling for fraud risk control
Strengths & limitations
Strengths
- BIN database covers all major issuers globally
- Low latency (<100ms)
- Free to use (bundled with payment service)
Limitations
- Newly issued BINs may take weeks to be indexed
- BIN info does not fully replace authorization (final decision still rests with issuer)
Getting started
POST /pal/servlet/BinLookup/v54/get3dsAvailability with cardNumber (or BIN) + amount — returns card info and 3DS availability.
FAQ
Can I send just the BIN (not the full PAN)?+
Yes — send the first 6-8 digits, no need for the full PAN. Better from a security/compliance standpoint.
Technical details
- Auth type
- unknown
- Pricing
- unknown
- Protocols
- REST
- SDKs
- java, python, javascript, php
- Response time
- 710 ms
- Last health check
- 6/26/2026, 6:22:11 AM
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