BIN Lookup
Information Service Issuer
Query BIN attributes by card BIN.
API Introduction
API Introduction
What is it?

Query BIN attributes such as issuers, card attribute, card level, etc. through  card BIN

Key Features

Convenient to portray cardholder.

Data is updated regularly

When to Use it?

Cardholder's risk control management, marketing management

Who Use it?
UPI members
Where to Use it?
This API is available globally
Flow Chart
Flow Chart


Access Flow:

1. API Caller apply to use APIs

2. UPI approve application, update white list and generate key pair, then provide API Caller the public key and user ID (appID)

Call Flow:

3. API Caller uses the public key to encrypt the request message which include caller’s user identity information

4. UPI verify API Caller’s identity, decrypt request message, and return response data encrypted by using private key.

API Reference
API Reference
Interface description
The interface provides the BIN attributes such as Issuer IIN, card attribute and card level for the inquired BIN.
Request Method
Request Parameter
Field name Identifier Type Length Request Default value Note
BIN bin AN 2 M:Mandatory The inquired BIN.
Synchronous Response parameters
Filed name Identifier Type Length Request Default value Note
Message Response msgResponse Object M:Mandatory
Response Code responseCode AN 2 M:Mandatory It contains a code that defines the response to a request.
Response Message responseMsg S 1-100 M:Mandatory It contains the request result and the rejection reason if the request fails. The value of this field can be displayed by the Gateway to notify the user of the request outcome.
Error Details errorDetail S 1-255 O:Optional It contains additional detail regarding the problem identified in the message. The information is only for debug purpose. It shall not be displayed to the user.
BIN bin AN 2 R:Returned The inquired BIN.
Issuer IIN issuerIIN AN 1-11 M:Mandatory The Issuer Institution Identification Code.
Card Attribute cardAttribute N 2 M:Mandatory Valid values: 00- Unknown; 01- Debit account; 02- Credit account; 03- Quasi credit account; 04- Credit and debit compound account; 05- Pre-paid account
Card Level cardLevel N 2 M:Mandatory Valid values: 0- Unknown; 1- UnionPay Classic; 2- Reserved; 3- UnionPay Gold; 4- UnionPay Platinum; 5- UnionPay Diamond; 6- Reserved
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