Bank Identification Numbers (BINs) explained for payment developers

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The first six to eight digits of a payment card form its Bank Identification Number, identifying the issuer network, country, and card type. Since 2022, Visa and Mastercard have allocated 8-digit BINs, making older 6-digit assumptions outdated. Developers can use simple JavaScript logic with known digit ranges to identify a card's brand for UI purposes like displaying a logo. For more critical functions like fraud prevention, a dedicated BIN database is required, as details like cardholder country cannot be reliably derived from the digits alone.

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