Chargeback
BIN Lookup
Instantly identify the issuing bank, card brand, type, country of origin, and other key details with a single BIN lookup.
Enter the first 6 digits of your card number
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Type
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What is a BIN (Bank Identification Number)?
A Bank Identification Number (BIN), also called an Issuer Identification Number (IIN), refers to the first 6 to 8 digits of a payment card. This unique code identifies the financial institution that issued the card and provides valuable data about the card type and origin.
Businesses rely on BIN information to validate transactions, detect high-risk activity, and prevent chargebacks. It’s a critical tool for fraud prevention and payment optimization.
Why use a BIN lookup tool?
A BIN lookup tool is essential for businesses that process online payments. By entering the first 6 or 8 digits of a card, you can instantly identify the issuing bank, card type, brand, and country of origin. This information helps you validate transactions, reduce fraud, and prevent costly chargebacks.
Knowing these details allows you to make smarter decisions before fulfilling orders. For example, you can spot prepaid or high-risk cards, detect mismatched locations, and block suspicious transactions. It’s a simple yet powerful way to improve security, reduce losses, and protect your revenue.
Who benefits from BIN lookup?
BIN lookup is useful for ecommerce businesses, payment processors, fintech platforms, and fraud prevention teams. Merchants can avoid shipping to fraudulent buyers, while processors use BIN data to optimize routing and improve approval rates.
Fintech companies and SaaS platforms also rely on BIN information to verify user details during onboarding and prevent identity fraud. Whether you sell products online or manage digital transactions, BIN lookup gives you the insights needed to operate safely and efficiently.
Frequently asked questions
Here are the most frequently asked questions we get about Chargeback.
Chargeback.io (Chargeback) helps merchants prevent chargebacks by using card-network dispute alerts. When an alert arrives, you can review it or refund the order within the network’s response window so the dispute closes before it becomes a chargeback.
How it works
- Connect your store.
- Receive and resolve alerts :
- RDR: auto-refunds transactions when eligible, based on your settings.
- Ethoca and CDRN: review and refund manually, or enable automatic refunds via your payment processor integration when the transaction amount falls below your set threshold.
Lower chargebacks to cut fees, save handling time, and reduce the risk of processor account restrictions.
Yes. Use our API setup guide to get connected.
To get started, we’ll need your statement descriptor from your processor (the text that appears on cardholder statements). If you plan to use RDR, we’ll also need 4 ARNs or BINs and CAID.
For added American Express and Discover coverage, see this guide for the required information.
Setup time depends on what you’re enrolling in:
- Account onboarding: around 5 minutes
- Ethoca and CDRN alerts: typically 12 hours
- RDR alerts: typically 7 business days
See this guide for full setup-time details.
Chargeback.io (Chargeback) helps merchants prevent chargebacks by using card-network dispute alerts. When an alert arrives, you can review it or refund the order within the network’s response window so the dispute closes before it becomes a chargeback.
How it works
- Connect your store.
- Receive and resolve alerts :
- RDR: auto-refunds transactions when eligible, based on your settings.
- Ethoca and CDRN: review and refund manually, or enable automatic refunds via your payment processor integration when the transaction amount falls below your set threshold.
Lower chargebacks to cut fees, save handling time, and reduce the risk of processor account restrictions.
Decrease your dispute rate today
Join 800+ businesses using Chargeback to prevent chargebacks automatically — setup takes less than 2 minutes.
