post https://api.instantpay.in/identity/binChecker
Instantpay's Card BIN Checker is a valuable tool for businesses. It verifies Bank Identification Numbers (BINs) with precision and efficiency. This solution uses a database, updated almost daily. It helps confirm a BIN's existence, and accurately identify the issuing bank and card type.
The Card BIN Checker helps prevent fraud. It also ensures reliable payments. It does this by checking card info against a current, extensive database.
Instantpay's Card BIN Checker helps secure businesses. It boosts confidence, streamlines transactions, and cuts risk.
Headers Parameter
| Name | Type | Description | Mandatory (M) , Optional (O) | Provided by INSTANTPAY (Y/N) |
|---|---|---|---|---|
| X-Ipay-Auth-Code | String | It will be 1 | M | Y |
| X-Ipay-Client-Id | String | Unique Client ID | M | Y |
| X-Ipay-Client-Secret | String | Unique secret key | M | Y |
| X-Ipay-Endpoint-Ip | String | End Customer IP Address | M | N |
Request Parameters
| Parameter Name | Type | Requirement | Description |
|---|---|---|---|
| binNumber | String | Mandatory | Credit Card first 6 digits |
| latitude | String | Mandatory | End Customer latitude. |
| longitude | String | Mandatory | End Customer longitude. |
| externalRef | String | Mandatory | Your unique transaction Id |
Sample Request
curl --location --request POST 'https://api.instantpay.in/identity/binChecker' \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'X-Ipay-Auth-Code: {{authCode}}' \
--header 'X-Ipay-Client-Id: {{clientId}}' \
--header 'X-Ipay-Client-Secret: {{clientSecret}}' \
--header 'X-Ipay-Endpoint-Ip: {{endPointIP}}' \
--header 'X-Ipay-Outlet-Id: {{outletID}}' \
--data-raw '{
"binNumber": "346593",
"latitude": "38.8951",
"longitude": "77.0364",
"externalRef": "3484-dsajkfj-33"
}'
POST /identity/binChecker HTTP/1.1
Host: api.instantpay.in
Accept: application/json
Content-Type: application/json
X-Ipay-Auth-Code: 1
X-Ipay-Client-Id: YWY3OTAzYzNlM2ExZTJlOfh549Gzt+5IEcETrD5Yx+Q=
X-Ipay-Client-Secret: 679db35f926b8d0240a8c0d28729528ee8e6d5effa5fa0b20c04454004d2d825
X-Ipay-Endpoint-Ip: 45.115.105.205
X-Ipay-Outlet-Id: 72762
Content-Length: 127
{
"binNumber": "346593",
"latitude": "38.8951",
"longitude": "77.0364",
"externalRef": "3484-dsajkfj-33"
}
Response Parameters
| Parameter Name | Type | Description |
|---|---|---|
| statuscode | String | InstantPay Status Code |
| actcode | String | Action Code |
| status | String | Status message |
| data | Array | Response Data (If Present) |
| binDetails | Array | Card BIN Details |
| timestamp | String | Response time (YYYY-MM-DD HH:II:SS) |
| ipay_uuid | String | Request reference number |
| orderid | String | Transaction Id ( If transaction otherwise it is null ) |
| enviroment | String | Live/Sandbox |
Sample Response
{
"statuscode": "TXN",
"actcode": null,
"status": "Transaction Successful",
"data": {
"externalRef": "3484-dsajkfj-33",
"pool": {
"account": "7428585742",
"openingBal": "381.45",
"mode": "DR",
"amount": "0.59",
"closingBal": "380.86"
},
"binDetails": {
"bin": "346590",
"cardNetwork": "AMERICAN EXPRESS",
"cardType": "CREDIT",
"cardLevel": "",
"isoCountryName": "UNITED STATES",
"isoCountryA2": "US",
"issuerBank": "",
"issuerWebsite": "",
"issuerPhone": "",
"cardTransfer": "F"
}
},
"timestamp": "2022-11-23 14:36:06",
"ipay_uuid": "h06897cff5ba-5b1d-4ff0-8f09-0b59c8446895",
"orderid": "1221123143606CCERP",
"environment": "LIVE",
"internalCode": null
}
Important Points :
Make sure to verify the issuerBank before starting the transaction if it's incorrect or blank in the API response.