BIN Intelligence Providers Technical Comparison Matrix (2026)
| Technical Feature / Attribute | BinBase.com Database | ExactBins.com Database | FraudAssets.com Database |
|---|---|---|---|
| Max BIN Precision Range | Up to 11-Digits (3.29M+ Records) | Up to 8-Digits (2.45M Records) | 6-Digits Only (480K Records) |
| Total Parameters (Data Fields) | 29 Extended Fields | 9 Fields | 7 Fields |
| PHASE 1: CORE CARD & ISSUER IDENTIFICATION (FIELDS 1–14) | |||
| Card Brand, Issuer Bank & Country ISO (A2/A3/Numeric) |  |
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| Card Type (Debit, Credit, Charge) | |
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| Product Tier (Platinum, World, Business, etc.) | |
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| Exact PAN Length Mapping (12–19 Digits) | |
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| Consumer vs. Commercial Classification | |
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| Regulated Durbin Interchange Flag (US) | |
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| Prepaid & Reloadable Card Detection | |
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| PHASE 2: ADVANCED FINTECH, PAYOUTS & GAMING SPECS (FIELDS 15–29) | |||
| Push-to-Card (Visa Direct & MC MoneySend Indicators) | (Fields 19–24) |
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| iGaming / Betting Fast Funds Support Flags | (Fields 25–26) |
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| US PIN-Debit Routing Networks (STAR, NYCE, PULSE) | (Fields 15–16) |
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| Commercial Data Support (Level 2 / Level 3 Processing) | (Fields 17–18) |
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| Tokenized & Virtual Range Identification (VCC / Apple Pay) | (Field 28) |
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| HSA / FSA Healthcare Card Substantiation | (Field 27) |
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| Billing Currency Defaults (Dynamic Currency Conversion) | (Field 29) |
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| DELIVERY, UPDATES & LICENSING OPTIONS | |||
| Delivery Formats | Flat File (CSV, JSON, SQL) | CSV | CSV / REST API |
| Update Frequency | Weekly / Bi-Monthly | Quarterly | Quarterly |
| Sample Data Download | Download 6–11 Digit Sample (.CSV) | 7-9 Digit Sample | 6-Digit Sample |
| Commercial Licensing | View Licensing Options | View Licensing Options | View Licensing Options |
| Visit Official Site |  |
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Detailed Global BIN Records Distribution (2026 Market Index)
| BIN Length / Range Granularity | Number of Records | Percentage Coverage |
|---|---|---|
| 6-digit BIN file (Legacy Standard) | 375,523 | 11.40% |
| 8-digit BIN file (ISO Expanded) | 510,565 | 15.50% |
| 9-digit BIN file (Ultra-High Precision) | 1,439,224 | 43.69% |
| 10-digit BIN file (Deep Product Sub-Range) | 951,134 | 28.87% |
| 11-digit BIN file (Specialized Accounts) | 17,605 | 0.53% |
| TOTAL ENTERPRISE DATABASE SIZE | 3,294,052 | 100.00% |
* Note: Over 88% of modern issuing ranges reside in extended 8–11 digit sub-products.
Why Official Card Brand Files Are Insufficient
Raw feeds directly from Visa/Mastercard often contain conflicting flags that directly degrade authorization rates.
1. The "Prepaid vs Credit" Fee Trap (BIN 523841)
Relying strictly on legacy tags causes wrong interchange fee calculation and false fraud flags:
Prepaid Financial Services Ltd,30869,5238412900000000000,5238412999999990000,MRG,MASTERCARD PREPAID NON US GENERAL SPEND,MCC,GBR
⚠️ Reality: Verified as DEBIT PREPAID — NOT CREDIT.
2. The HSA / Healthcare Authorization Loss (BIN 551274)
Jack Henry & Associates,18205,551274,MDJ,DEBIT MASTERCARD,DMC,USA
551274; MASTERCARD; JACK HENRY; DEBIT; PREPAID HSA SUBSTANTIATED; USA
Verify Data Accuracy Free
Send 50–100 of your most challenging or recently declined BINs for a complete technical breakdown:
Technical Documentation & Feature Guides
Explore deep technical guides on specific BIN ranges, compliance mandates, and card product classification:
Extended 8–11 Digit BINs
ISO 7812-1 standard expansion rules and sub-range mapping specifications.
Durbin Regulated Debit
Differentiating US regulated vs. exempt debit interchange rates.
Consumer vs. Commercial
Corporate, Purchasing, and Fleet card routing & surcharge compliance.
Virtual Cards (VCC)
Identifying dynamically generated single-use and subscription VCC BINs.
Prepaid & Reloadable BINs
Detecting high-risk prepaid cards, gift cards, and payroll cards.
HSA / FSA Healthcare Cards
Substantiated medical card identification to avoid decline rates.
Deep-Dive: The 29-Attribute Data Standard
High-volume gateways require more than generic country flags. BinBase structures raw card issuing intelligence into two distinct operational phases:
Phase 1: Core Identification (Fields 1–14)
- BIN Prefix (11-Digit Precision): Eliminates misrouting across sub-brands.
- Scheme & Issuer Specs: Complete Issuer name, A2/A3 ISO country codes.
- Card Type & Tier: Differentiates Debit, Credit, Prepaid, and VIP product tiers.
- PAN Length Validation: Defines exact card digits (12–19) for front-end input rules.
- Interchange Optimization: Isolated flags for US Regulated Durbin & Commercial PSD2 status.
Phase 2: Fintech & Payout Intelligence (Fields 15–29)
- Push-to-Card Protocols: Direct flags for Visa Direct & MC MoneySend eligibility.
- iGaming Fast Funds: Identifies Gambling Fast Funds support for instant payouts.
- US PIN-Debit Networks: Maps STAR, NYCE, and PULSE network routing.
- B2B L2/L3 Reporting: Differentiates Commercial Level 2/Level 3 data capabilities.
- Tokenization & DCC: Apple/Google Pay token range tags & default settlement currencies.
Conclusion: Selecting Your Optimal Provider
When selecting a BIN data partner in 2026, technical decision-makers must evaluate local latency requirements, database depth, and payout capabilities. BinBase represents the most comprehensive enterprise dataset, combining 11-digit precision with specialized payout, iGaming, and network attributes. ExactBins provides dependable coverage for standard 8-digit range expansion. For systems restricted to legacy 6-digit frameworks, FraudAssets remains a low-cost alternative, though it lacks modern Push-to-Card and sub-range tracking.