The World 1# Free Bank Identification Number Database
BREAKING DOWN Bank Identification Number - BIN
Bank identification numbers are used by other institutions, such as American Express, as well. The term "issuer identification number" (IIN) is used interchangeably with BIN. The numbering system helps identify identity theft or potential security breaches by comparing data, such as the address of the institution issuing the card and the address of the cardholder.
How It Works
The bank identification number is a numbering system developed by the American National Standards Institute and the International Organization for Standardization (ISO) to identify institutions that issue bank cards. The first digit of the BIN specifies the Major Industry Identifier (MII), such as airline, banking or travel, and the next five digits specify the issuing institution or bank. For example, the MII for a Visa credit card starts with a 4. The BIN helps merchants evaluate and assess their payment card transactions.
The BIN quickly helps a merchant identify which bank the money is being transferred from, the address and phone number of the bank, if the issuing bank is in the same country as the device used to make the transaction, and verifies the address information provided by the customer. The number allows merchants to accept multiple forms of payment and allows faster processing of transactions.
When a customer makes an online purchase, the customer enters her card details on the payment page. After submitting the first four to six digits of the card, the online retailer can detect which institution issued the customer’s card, the card brand (such as Visa or MasterCard), the card level (such as corporate or platinum), the card type (such as a debit card or a credit card), and the issuing bank country.
The BIN identifies which issuer receives the authorization request for the transaction to verify if the card or account is valid and whether the purchase amount is available on the card. This process results in the charge being either approved or denied.
For example, a customer stands at a gas pump and swipes her bank card. Once she swipes the card, the system scans the BIN to detect the specific issuing institution that withdraws the funds. An authorization request is put on the customer's account. The request is authorized within a few seconds, and the transaction is approved. The credit card processing system would be unable to determine the origin of the customer's funds and would be unable to complete the transaction without a BIN.
Merchant Services Glossary
A code-based protocol using a three-domain process as an additional security layer when processing online or wireless credit and debit card payments. The three-domain process requires that Wells Fargo Merchant Services, the card issuer, and all interconnected hardware/software are aligned to digitally authenticate and certify cardholder information. Current forms of 3D-Secure include Visa Secure®, Mastercard SecureCodeTM, Mastercard Identity CheckTM, and American Express SafeKey®.
ABA Routing Number
Also referred to as a transit routing number. Directs electronic ACH deposits to the proper bank institution.
ACH (Automated Clearing House)
The paperless funds transfer system maintained by the Federal Reserve or other entities that have networks to exchange electronic funds transfer items.
Any bank, financial institution, and public or private company that maintains a merchant's credit card processing relationship and receives all transactions from the merchant to be distributed to the credit card issuing banks. Also referred to as a card payment processor.
Address Verification Service (AVS)
A service provided in which the merchant verifies the cardholder's address with the issuing bank. Address verification is not a guarantee that a transaction is valid.
A debit or credit to a cardholder or merchant account to correct a transaction error.
The process followed by the payment networks to determine whether a card issuer or an acquirer has ultimate responsibility for a chargeback. Either member initiates this process after the re-presentment process is completed.
Approval of a bankcard transaction by the card-issuing banks or approved independent service providers, for a specified dollar amount. An authorization indicates only the availability of the card member's credit limit at the time the authorization is requested.
The reply to a request for approval on a transaction.
Authorization Response Code
A code returned in the authorization response to indicate approval of a transaction. The code is recorded on the transition receipt as proof of Authorization.
BIN (Bank Identification Number)
The six-digit range of numbers assigned by the Federal Bureau of Standards and used by card companies to identify their financial transactions. The Discover® range begins with '6' (6xxxxx), the Mastercard® range begins with ‘2’ (2xxxxx) or '5' (5xxxxx), and the VISA® range begins with '4' (4xxxxx).
Any Discover®, Mastercard®, American Express or VISA® member, or a commercial organization that establishes, issues, and maintains customer credit lines that are accessed through the use of a card. (Public and private companies and financial institutions that offer card-accessed lines of credit to consumers and businesses.)
Transactions that are processed without the card or the cardholder being present, for example, phone or internet orders.
Transactions in which the cardholder and the card are present.
A person or entity that is issued a credit or debit account that is accessed through the use of a card.
When a credit card transaction is disputed (either at the request of the cardholder or by a card issuer), the dispute is handled through a chargeback. A chargeback will cause the amount of the original sale and a chargeback fee to be deducted from the checking or savings account you provided.
The transfer of data between issuers and acquirers.
Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.
Number that uniquely identifies a retrieval request or chargeback.
See Stored Credentials.
Transactions of this status have been entered as credits, but have not yet been submitted for settlement. These transactions will remain in this unsettled state until they are submitted for settlement. Once a credit has been settled, its status changes to credited.
The process of writing, scrambling, and descrambling complex coded information as a means of secure communication. Many computer-based applications use cryptography to securely transmit sensitive personal and cardholder data.
CVV2/CVC2 is the three-digit value printed on the signature panel on the back of cards immediately following the card account number. The 3-digit value helps validate that the cardholder has a card in their possession, and the card account is legitimate.
Digital Secure Remote Payment (DSRP)
Designed for e-commerce transactions, DSRP is an optional payment method from Mastercard that uses chip card-based cryptography to make credit and debit card transactions safer and more secure.
Directory Server Transaction ID
Similar to a network reference ID, this is a unique reference number assigned to a single credit, debit, or gift card transaction when is authenticated using 3D Secure technology. The ID is automatically supplied by your 3D Secure provider.
A discount rate is a fee associated with collecting, assessing, approving, processing, and settling credit card transactions. This fee is often a percentage of the transaction value.
EMV stands for Europay, Mastercard and Visa. EMVCo sets the standards for EMV chip cards and EMV terminals. Many countries worldwide already use the EMV chip card technology. EMV chip cards have an embedded microchip that stores customer data. The chip is much more difficult to counterfeit than a magnetic stripe, because the information on the chip changes with each transaction.
Fees for screening and processing online payments may include, but are not limited to, costs for the following:
- Monthly Account
- Discount rate
- Per item charges for credit card and electronic check transactions
This is the amount an acquirer pays to process transactions.
A set of credit, debit, and prepaid card criteria established by Visa, Mastercard, and Discover where the majority of your card payment transactions are expected to qualify. Each program is assigned interchange levels, rates, and/or fees which will apply to you when you meet the established criteria. Non-qualifying transactions may be subject to additional costs depending on how you are currently priced. Refer to your specific online Payment Network Qualification Matrix for more detailed information. Note: For American Express transactions, this is known as “program pricing”.
Magnetic Stripe Reading
When the credit card is swiped through the terminal to record the card information. Obtaining a magnetic stripe reading proves the card's presence at the time of a transaction.
MATCH (Member Alert To Control High Risk)
A shared database maintained by the payment networks that lists all merchants terminated for cause by acquirers.
MCC (Merchant Category Code)
The primary industry or industries in which you do business as determined by the payment networks and assigned to you by Wells Fargo Merchant Services using a four-digit category code. Examples include Restaurants (MCC 5812), Taxicabs & Limousines (MCC 4121), Women’s Clothing (MCC 5621), etc.
An individual or business that sells products or services and is capable of accepting payment for products and services via a merchant account.
The bank account a Seller identifies as the sole account from which monthly and/or transaction fees are debited.
The financial institution with which a merchant contracts to accept credit cards for payment of goods and services, also known as an acquirer or card payment processor.
Network Reference ID
A unique reference number assigned by the payment networks to a single credit, debit, or gift card transaction. It helps to specifically identify transactions and is used to monitor transactions associated with a particular payment card. This ID may appear on sales receipts and cardholder card statements for a specified transaction.
NFC (Near Field Communication)
NFC technology enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device.
Payment Account Reference (PAR)
A unique alphanumeric identifier that links a cardholder’s primary account number (PAN) with all subsequent PANs for the same payment account, and all chip card payment tokens associated with that account. For example, a PAR would be used when a new payment card replaces a cardholder’s existing card.
An e-commerce application service that authorizes card payments.
Any entity formed to administer and promote credit cards, including but not limited to VISA, Mastercard, American Express, or Discover, that are licensing and regulatory agencies for credit card activities. Visit wellsfargo.com/paymentnetworks for more information.
A series of randomly generated numbers which replaces a cardholder’s primary account number (PAN). Tokens are used to process a card payment through the internet or wirelessly without sharing a cardholder’s personal details.
POS Entry Code
A specific, required code that is used to identify how a cardholder’s primary account number and expiration were captured. This helps to authenticate a transaction.
Primary Account Number (PAN)
Also known as a bank card number, this is the unique account number printed on cardholder’s credit, debit, or prepaid card.
A transaction representing sale of items that are directly convertible to cash such as money orders and travelers checks.
The re-submission by an acquirer of a previously charged back sale in an attempt to re-charge the cardholder. Chargebacks requires some form of additional documentation confirming the validity of the charge and disputing the chargeback reason.
A retrieval request occurs when your customer requests more information about a transaction that appears on his or her credit card statement.
The merchant's limitations and/or requirements on accepting returned merchandise.
The paper or electronic evidence of a purchase.
Secure Payment Page
A secure payment page assures customers that their payment information is encrypted for privacy and data integrity before it's sent over the internet. This page is typically identified by the "s" in https:// instead of http://. Payment gateway providers make this necessary e-commerce link possible by hosting the payment gateway software and individual secure payment pages on their own servers.
The process of transferring funds for sales and credits between acquirers and card issuers, including the final debiting of a cardholder's account and crediting a merchant's account.
In online marketing, a piece of e-commerce software on a web server that allows visitors shopping at an internet site to select items for eventual purchase.
SIC (Standard Industry Codes)
Special numbers assigned by the payment networks to merchant types for identification and tracking purposes. Mastercard® uses MCC (Merchant Category Code), while VISA® uses SIC (Standard Industry Codes).
Stored Card Account Information
See Stored Credentials.
When you store cardholder payment information for ongoing or future use as authorized by the cardholder. This is typically done for recurring payments such as gym memberships or making installment payments on goods or services. In most cases, you will need to include the proper values in the transaction authorization request that indicates you are processing a transaction using stored credentials.
A fee passed through to you from the PIN debit networks which is applied to each PIN debit transaction authorization, completion, or both. Fees for both apply when there is two-step process to complete a transaction such as for automated fuel dispenser (AFD) merchants.
An act between a merchant and a cardholder that results in either a paper or an electronic representation of the cardholder's promise to pay for goods or services received from the act.
Any sale for which a cardholder does not provide their specific authorization. This should not be confused with the failure to receive an authorization response from the card issuer.
Universal Cardholder Authentication FieldTM (UCAF)
UCAF is used by Visa and Mastercard to capture and transmit cardholder authentication data to a card issuer for a specific e-commerce credit or debit transaction. Each card issuer determines what data or process is needed to authenticate the cardholder using some form of 3D-Secure technology. That information is validated and passed back to the issuer to authorize the presented card for payment.
VAR (Value-added Reseller)
Value-added reseller, or a third party providing card payment processing products or services, such as software.
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BIN numbers for
WELLS FARGO BANK, N.A.
There are 1,824 BIN numbers for WELLS FARGO BANK, N.A. in our database.
|407184||VISA||CREDIT||GOLD PREMIUM||🇺🇸UNITED STATES|
|407188||VISA||CREDIT||GOLD PREMIUM||🇺🇸UNITED STATES|
What is a BIN Number?
The first 6 digit of a card is known as BIN Number. BIN stands for Bank Identification Number. It's a 6 digit code which identifies the financial institution that issued the Card to the card holder. It also referred as IIN (Issuer Identification Number). BIN can be used to identify issuing financial institution of a Credit Card, Debit Card, Prepaid Card and rewards Card.
Credit & Debit Card Number Format
As per ISO/IEC 7812, the length of Credit & Debit Card number can be upto 19 digits.
P - Major industry Identifier
Q - Issuing Financial Institution identifier
R - Account Identifier up to 12 digits
S - Checksum to validate Card Number.
Where PQQQQQ combined are known as BIN number or IIN code.
Uses of BIN Number
It is commonly used by merchants to identify the card type and issuing bank of the Credit Card.
It also helps in preventing Fraud. In case the Billing Address and the issuing country of the card is different, it may be a fraudulent transaction. With BIN search they can easily identify such transactions.
Card wells fargo bin debit
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