Do I need to call an API?

No. Every card payment through Orchestrapay is enriched automatically. If you want the same data in your other systems, BIN Lookup gives you the API.

Where can I use the attributes?

In routing rules, to choose the processor for each payment, and in your antifraud policy, to decide whether to approve, step up to 3D Secure or block.

Does enrichment add card data to my PCI scope?

No. Attributes come from the first digits of the card, which are not cardholder data on their own.

Card Attributes

Every payment knows its card.

Brand, type, level, country and issuer are attached to each card payment before it is routed, so your routing and fraud rules can act on them.

Talk to sales Read the docs

Payment4571 73•• •••• ••••

Brand: Visa
Type: Debit
Level: Classic
Country: GB
Issuer: Example Bank
Prepaid: No
Commercial: No

Rule matched: GB debit cards go to the domestic acquirer

What you get

Card intelligence on every payment, with nothing to build.

On every payment

Each card payment is enriched before it is routed. There is nothing to call and nothing to store.

Rules that match on the card

Routing rules can match on country, BIN range, brand and card type, alongside currency and amount.

Fraud signals up front

Prepaid, commercial and country flags reach the antifraud engine before the card is charged.

Country mismatch

Compare the card's issuing country with the customer's IP country and act on the difference.

Credit, debit and prepaid

Treat debit, credit, prepaid and commercial cards differently, from surcharges to subscriptions.

Issuer level detail

See which issuing banks decline you most and send their cards where they approve.

From field to decision

Six digits tell you how to handle the payment.

Every attribute is available to your routing rules and your antifraud policy, before the card is charged.

Issuing country countryIso2: Route domestic cards to a local acquirer, and flag a card country that does not match the customer's IP.
Brand cardBrand: Send each scheme to the processor that prices it best, or hide a brand your account cannot take.
Credit or debit cardType: Apply the right surcharge rules and pick the processor with the better debit rate.
Prepaid isPrepaid: Require 3D Secure, or decline prepaid cards on subscriptions that need to renew.
Commercial isCommercial: Spot business cards that carry higher interchange and route or price them accordingly.
Issuer issuerName: See which banks decline you most, and send their cards where they approve.

How it works

From card number to decision.

The customer enters a card

As soon as the first digits are known, the card is matched against our BIN range table.

The payment is enriched

Brand, type, level, country and issuer are attached to the payment before any processor sees it.

Your rules decide

Routing picks the processor and the antifraud policy decides approve, 3D Secure or block.

Works with

BIN LookupBrand, type, bank and country from six digits, through an API.Learn more

Smart RoutingRoute every payment across multiple processors.Learn more

Antifraud EngineScore every payment and block fraud before it costs you.Learn more

Questions about card attributes.

The card brand, card type (credit or debit), card level, issuing country, issuer name, and whether the card is prepaid or commercial.

Tell us what you want to decide from the card.

Routing, fraud, pricing or support: tell us which card attributes matter to you and we will show you the rules that use them.

Brand, type, level, country and issuer
Available to routing and fraud rules
A transparent number before you sign anything