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Feature Overview

The Merchant Card BIN Management page displays the configuration details of all card BINs (Bank Identification Numbers) that the merchant has activated and can use for card issuance. It serves as a key management tool for payment card product configuration and cost control. Through this page, merchants can gain a comprehensive understanding of their connected BIN resources and related business parameters, enabling more effective operational coordination, risk control, and pricing strategy development.

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Card BIN Information

Merchants can view detailed information for each card BIN on this page, including: 1. Basic Information
  • Card Issuer: Displays the issuing partner or card network associated with the BIN, such as Visa, Mastercard, UnionPay, or other card service providers partnered with the merchant.
  • Card BIN Number: The unique BIN identifier (first 6–8 digits) for the card series, which determines card ownership, intended use, and geographic coverage.
  • Card BIN Status: Shows the current operational status of the BIN (e.g., “Active”, “Inactive”) to help merchants quickly determine whether it can be used for card issuance and transactions.
2. Cost and Fee Information
  • Domestic Transaction Fee Rate: The transaction fee rate applied when a cardholder makes purchases in their country/region of registration. This is used to calculate the merchant’s cost for domestic transactions.
  • International Transaction Fee Rate: The fee rate applied when a cardholder uses the card outside their registration country. This is typically higher than the domestic rate and should be monitored for cross-border cost control.
  • Card Issuance Cost: The per-card issuance cost (in USD) incurred by the merchant. This serves as a reference for evaluating the base expense of issuing each card and for pricing in-app card packages.
3. Card BIN Capabilities
  • AVS (Address Verification Service) Support: Indicates whether the BIN supports verifying the billing address through AVS to improve risk control and reduce fraudulent transactions.
  • 3DS (3D Secure) Support: Indicates whether the BIN supports the 3D Secure authentication protocol (e.g., Visa Secure, Mastercard Identity Check) to enhance transaction security and reduce chargeback risks.
  • Google Pay / Apple Pay Support: Shows whether the BIN can be added to mobile wallets such as Google Pay or Apple Pay, improving convenience and user experience.
4. Small Transaction & Fee Information
  • Small Transaction Threshold (USD): The defined amount under which a transaction is considered a “small transaction” in the system.
  • Small Transaction Fee Waiver Count: The number of small transactions a user can make within a given period without incurring a fee. Once exceeded, the system applies the small transaction fee.
  • Small Transaction Fee Amount (USD): The fixed fee charged per small transaction once the waiver limit has been exceeded.
5. App Card Package Configuration
  • App Card Package: Displays the in-app card package(s) linked to the BIN, including sale price, validity period, and available currencies. Merchants can design differentiated products (e.g., standard cards, premium cards, Apple Pay-enabled cards) based on issuance costs and BIN capabilities.
Example Use Cases:
  1. Operations staff can quickly identify and troubleshoot card issuance issues based on BIN status.
  2. The operations team can adjust in-app package prices based on transaction rates and issuance costs.
  3. The risk control team can prioritize enabling BINs with 3DS/AVS support to improve transaction security.
  4. The marketing team can filter BINs supporting Apple/Google Pay for promoting mobile payment card products.