# Card Attributes: card type, country and issuer on every payment

Every card payment through Orchestrapay is enriched with the card's brand, type,
level, issuing country and issuer before it is routed, so routing rules and the
antifraud policy can act on them before the card is charged. There is nothing to
call: enrichment is automatic.

Page: https://www.orchestrapay.com/products/card-attributes

## Attributes

`cardBrand`, `cardType` (credit or debit), `cardLevel`, `countryIso2`,
`issuerName`, `isPrepaid`, `isCommercial`.

## What they are for

- **Issuing country:** route domestic cards locally; flag a card country that
  differs from the IP country.
- **Brand:** send each scheme to the processor that prices it best.
- **Credit or debit:** surcharge rules and debit-rate routing.
- **Prepaid:** require 3D Secure or decline on renewing subscriptions.
- **Commercial:** spot higher-interchange business cards.
- **Issuer:** see which banks decline you most and route around them.

## How it works

1. The customer enters a card and the first digits are matched against the BIN
   range table.
2. The attributes are attached to the payment before any processor sees it.
3. Routing picks the processor; the antifraud policy decides approve, 3D Secure
   or block.

The attributes come from the first digits of the card, which are not cardholder
data on their own. For the same data in other systems, use the
[BIN Lookup](https://www.orchestrapay.com/products/bin-lookup.md) API.

## Related

- [BIN Lookup](https://www.orchestrapay.com/products/bin-lookup.md)
- [Smart Routing](https://www.orchestrapay.com/products/smart-routing.md)
- [Antifraud Engine](https://www.orchestrapay.com/products/antifraud.md)
- [Talk to sales](https://www.orchestrapay.com/contact)