Bank Identification Numbers (BINs), Explained
The 2025 Guide to BINs from Dispute.com
When it comes to fighting chargebacks and fraud, knowledge is power—and that starts with knowing who issued the card behind every transaction. Enter the Bank Identification Number, or BIN.
At Dispute.com, we help merchants decode BINs to uncover fraud faster, spot patterns, and build a stronger prevention strategy. Let’s break it down.
💳 What Is a BIN?
A Bank Identification Number (BIN) is the first 6 to 8 digits of a credit or debit card number. It tells you:
- Who issued the card
- What type of card it is (debit, credit, prepaid, commercial)
- What country it came from
- What network it runs on (Visa, Mastercard, Amex, Discover)
That’s valuable intel—especially when a chargeback hits your account.
🔐 Why BINs Matter in the Fight Against Chargebacks
Here’s how smart merchants use BINs:
- Validate high-risk transactions in real time (e.g., is the card really from the U.S.?)
- Identify card type mismatches (a debit card processed as credit = dispute risk)
- Spot fraud trends across specific issuing banks
- Build issuer-specific dispute responses
Bottom line: The more you know about the card, the stronger your defense.
List of Common BINs (2025 Update)
Here’s a quick-reference list of known Bank Identification Numbers and the issuers behind them. These can appear in disputes and are worth keeping on your radar:
✅ Note: BINs change frequently. For real-time BIN validation tools, talk to the team at Dispute.com.
What Can BIN Data Tell You?
BINs unlock insights that help you:
- Detect high-risk countries for cross-border fraud
- Avoid authorization failures due to card type mismatch
- Personalize dispute responses based on issuer behavior
- Spot affiliate or organized fraud networks using similar BINs
BIN Filtering for Fraud Prevention
Many fraud tools let you set rules based on BINs. Examples:
- Block cards issued outside your target market
- Flag prepaid or gift cards during checkout
- Apply stricter authentication to high-risk BINs
Final Word: Know the BIN. Stop the Spin.
In 2025, chargebacks move fast—and fraud moves faster. Dispute.com helps you stay one step ahead by translating BIN data into actionable strategy.
Want to fight chargebacks smarter?
👉 Let’s talk. Dispute.com gives you the tools to decode risk, respond faster, and protect your revenue.