BIN Details Delivered 3X Faster

Basis Theory has updated its BIN data service to retain and aggregate BIN information observed over the past 18 months rather than relying solely on monthly card-network snapshots, reducing gaps when BINs are temporarily removed or re-added. The company says the change yields more complete BIN details, fewer missing-data responses, and response times of about 2 milliseconds instead of 10 milliseconds by querying databases directly rather than using an intermediate file. Real-time BIN details are now available during card vaulting, helping merchants assess card characteristics such as prepaid status, issuer country, and card type when making acceptance, fraud, subscription, and payment-routing decisions. The new architecture is also intended to support future regional and issuer-specific BIN intelligence, supplementing globally sourced network data with more localized card information.

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