Fetch Card IIN Information using 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 RequestThis is an on-demand feature. Please raise a request with our Support team to get this feature activated on your account.

Uses

You can use this API to:

Check if the IIN of the card number entered by a customer is valid.
Check if the IIN is eligible for different payment flows such as recurring and EMI.
Get information about the card network, card type and issuing bank.
Detect customer’s card type.
Fetch the actual card IIN for a given token IIN. This is currently supported for Visa and MasterCard.

Supported Length of the IIN

Please make sure to pass the IIN with correct length as described in the table below:

Network	Card IINs
Visa	6 to 8 digits
MasterCard	6 to 8 digits

IIN Entity

{
  "iin": "438628",
  "entity": "iin",
  "network": "Visa",
  "type": "credit",
  "sub_type": "business",
  "issuer_code": "HSBC",
  "issuer_name": "HSBC Bank",
  "international": false,
  "tokenised_iin": false,
  "card_iin": null,
  "emi": {
    "available": false
  },
  "recurring": {
    "available": true
  },
  "authentication_types": [
    {
      "type": "3ds"
    },
    {
      "type": "otp"
    }
  ]
}

iin : string The Issuer Identification Number (IIN). The starting 6 digits of credit or debit card number. For example, 438628 or 438628111. entity : string The name of the entity. Here, it is iin. network : string The card network for the given IIN. Possible values: 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. For example, HSBC. issuer_name : string The name of the issuing bank. Available for cards issued in India only. For example, HSBC Bank. 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.

Fetch IIN

The following API helps you get all the information about the IIN: GET /iins/:iin

Path Parameter

id mandatory : string The first 6 digits of the customer’s card number depending on the network.

6-digit IINs

curl -u [YOUR_KEY_ID]:[YOUR_KEY_SECRET]
-X GET https://api.razorpay.com/v1/iins/438628/

RazorpayClient razorpay = new RazorpayClient("[YOUR_KEY_ID]", "[YOUR_KEY_SECRET]");

String tokenIin = "438628";
Iin token = instance.iin.fetch(tokenIin);

import razorpay
client = razorpay.Client(auth=("YOUR_ID", "YOUR_SECRET"))

tokenIin = "438628"
client.iin.fetch(tokenIin)

$api = new Api($key_id, $secret);

$tokenIin = "438628";
$api->iin->fetch($tokenIin);

var instance = new Razorpay({ key_id: 'YOUR_KEY_ID', key_secret: 'YOUR_SECRET' })

var tokenIin = "438628";
instance.iins.fetch(tokenIin)

import ( razorpay "github.com/razorpay/razorpay-go" )
client := razorpay.NewClient("YOUR_KEY_ID", "YOUR_SECRET")

tokenIin := "438628"

body, err := client.Iin.Fetch(tokenIin, nil, nil)

{
  "iin": "438628",
  "entity": "iin",
  "network": "Visa",
  "type": "credit",
  "sub_type": "business",
  "issuer_code": "HSBC",
  "issuer_name": "HSBC Bank",
  "international": false,
  "emi": {
    "available": true
  },
  "recurring": {
    "available": true
  },
  "authentication_types": [
    {
      "type": "3ds"
    },
    {
      "type": "otp"
    },
    {
      "type": "otp_less_authentication"
    }
  ]
}

9-digit IINs

Error Handling

Invalid IIN

The following error will be shown when the IIN is invalid:

{
  "error": {
    "code": "BAD_REQUEST_ERROR",
    "description": "IIN 000000 does not exist",
    "source": "merchant",
    "step": "NA",
    "reason": "iin_does_not_exist",
    "metadata": {}
  }
}

Invalid IIN length

The following error will be shown when the length of IIN is invalid :

{
  "error": {
    "code": "BAD_REQUEST_ERROR",
    "description": "The requested IIN is a card IIN & should be 6 digits long.",
    "source": "business",
    "step": "NA",
    "reason": "invalid_iin_length",
    "metadata": {}
  }
}

Partners

Payout APIs

Fetch Card IIN Information using IIN API

Uses

Supported Length of the IIN

IIN Entity

Fetch IIN

Path Parameter

6-digit IINs

9-digit IINs

Error Handling

Invalid IIN

Invalid IIN length

​Uses

​Supported Length of the IIN

​IIN Entity

​Fetch IIN

​Path Parameter

​6-digit IINs

​9-digit IINs

​Error Handling

​Invalid IIN

​Invalid IIN length

Uses

Supported Length of the IIN

IIN Entity

Fetch IIN

Path Parameter

6-digit IINs

9-digit IINs

Error Handling

Invalid IIN

Invalid IIN length