Fetch customer card IIN information before payment initiation using the IIN API.
The Issuer Identification Number (IIN, also known as BIN) is the first 6 digits of a credit or debit card. Our IIN API provides all the details about a given IIN.
Using this API, you can get details about customers' cards even before the payment is initiated. This helps you to determine whether the payment should be allowed.
For example, if you do not want to accept credit card payments from customers, you can use this API to detect the customer's card type by checking the IIN. Based on the response, you can decide whether to allow the payment to proceed or not.
Feature Request
This is an on-demand feature. Please raise a request with our
Tokenisation is a process by which the card number gets replaced by another virtual 16-digit number called Token. This token (or tokenised card number) is used to process payments instead of the actual card number.
A token is a unique digital identifier in mobile and online transactions. The first 6 or 9 digits of token created is referred to as token_iin.
As per RBI guidelines, businesses or Payment Aggregators cannot save actual card numbers on their servers. They can only tokenise the card and use these tokens for subsequent payments.
The first 9 digits of the token are referred to as tokenised IIN.
For Visa and Mastercard tokenised cards, the IIN is the first 9 digits of the token. This is referred to as token_iin. For example, 411111111.
For other networks, the length of Token IIN might change to 6 or 8 digits.
Handy Tips
You will get the token_iin from your tokenisation solution provider as part of the token entity.
If you use Razorpay as your tokenisation solution provider, you will get the token_iin within the card object. Refer to the token.card.token_iin parameter.
string The Issuer Identification Number (IIN). The starting 6 digits of credit or debit card number. For example, 411111 or 411111111.
entity
string The name of the entity. Here, it is iin.
network
string The card network for the given IIN. Possible values:
Visa
RuPay
MasterCard
American Express
Diners Club
Bajaj Finserv
Maestro
JCB
Union Pay
Unknown
type
string The card type for the given IIN. The card payment pricing may differ based on the card type. Possible values:
credit
debit
prepaid
unknown
sub_type
string The card sub-type for the given IIN. The card payment pricing may differ based on the card sub-type. Possible values:
consumer
business
unknown
international
boolean Determines whether the card is international (issued outside India) or domestic. Possible values:
true: Card issued outside India.
false: Card issued within India.
issuer_code
string The 4-character issuer code unique to each issuing bank in India. For example, SBIN.
issuer_name
string The name of the issuing bank. Available for cards issued in India only. For example, State Bank of India.
emi
json object A JSON object which provides information about the applicability of EMI on the IIN.
available
boolean Determines whether the card is eligible for EMI payments or not. Possible values:
true: IIN is eligible for EMI payments.
false: IIN is not eligible for EMI payments.
recurring
json object A JSON object which provides information about the applicability of recurring payments on the IIN.
available
boolean Determines whether the card is eligible for recurring payments or not. Possible values:
true: IIN is eligible for recurring payments.
false: IIN is not eligible for recurring payments.
authentication_types
array Array which lists the possible authentication types for which the IIN is eligible. Possible values:
type: 3ds: Indicates that the card IIN supports normal 3ds payments.
type: otp: Indicates that the card IIN supports native OTP payments. Native OTP gives you flexibility to accept the OTP entered by the cardholder on your screen.
