Card BIN Checker

Card BIN Checker is designed to check the existence of a Bank Identification Number (BIN) and on a large database which is updated almost on a daily basis.

Headers Parameter

NameTypeDescriptionMandatory (M) , Optional (O)Provided by INSTANTPAY (Y/N)
X-Ipay-Auth-CodeStringIt will be 1MY
X-Ipay-Client-IdStringUnique Client IDMY
X-Ipay-Client-SecretStringUnique secret keyMY
X-Ipay-Endpoint-IpStringEnd Customer IP AddressMN

Request Parameters

Parameter NameTypeRequirementDescription
binNumberStringMandatoryCredit Card first 6 digits
latitudeStringMandatoryEnd Customer latitude.
longitudeStringMandatoryEnd Customer longitude.
externalRefStringMandatoryYour unique transaction Id

Sample Request

curl --location --request POST '' \
--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
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-Outlet-Id: 72762
Content-Length: 127

    "binNumber": "346593",
    "latitude": "38.8951",
    "longitude": "77.0364",
    "externalRef": "3484-dsajkfj-33"

Response Parameters

Parameter NameTypeDescription
statuscodeStringInstantPay Status Code
actcodeStringAction Code
statusStringStatus message
dataArrayResponse Data (If Present)
binDetailsArrayCard BIN Details
timestampStringResponse time (YYYY-MM-DD HH:II:SS)
ipay_uuidStringRequest reference number
orderidStringTransaction Id ( If transaction otherwise it is null )

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.

Click Try It! to start a request and see the response here!