DOTS BIN Validation
Flag Bad Credit Cards and Help Prevent Fraud
DOTS BIN Validation integrates credit card and location validation into online business processes. It distinguishes between a prepaid and bank-issued card, identifies the network to which it belongs, and the issuing country and financial organization.
 30-DAY USE
- Overview
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What is it?
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DOTS BIN Validation (BV) is a programmable, XML Web Service hosted by Service Objects and used by online businesses to integrate credit card and location validation into their online software applications and business processes. By using DOTS BIN ValidationSM, companies can improve business results through better insight of credit card information, reduced charge-backs, and fraud prevention.
A Bank Identification Number (BIN) is the first six digits of the numbers on various financial cards. These digits identify which network the card belongs to, as well as which financial organization issued it, the country of issue, and the card type.
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Online merchants use DOTS BIN Validation to help validate credit card transactions. For example, if the credit card's BIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny before approval. Additionally, merchants can use DOTS BIN Validation to determine card type, such as a credit, debt, or prepaid card. Orders using prepaid cards are three times more likely to rate of fraud. Similarly, International orders (outside of US and Canada) are also three times more likely to be fraudulent. The countries that are most likely to originate a fraudulent order are: Nigeria, Indonesia, Russia and China. Many merchants use the prepaid flag and county of issue flag to alert them when suspicious order has been placed, so they can either inspect it more closely or simply reject it to be safe.
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- Features & Benefits
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FEATURES
- Over 150,000 BIN records updated weekly
- Lookup card-type by BIN: Credit, Debit, or Prepaid
- 95% of all MasterCard®, Visa® and American Express® cards in existence
- Emphasis on prepaid and gift cards commonly used in fraudulent transactions
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- Identify bank name, phone number of issuer, and country of issue
- Real-time API with typical response-time of 400mS seconds or less
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BENEFITS
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Improve business results through reduced charge-backs, and better discoverability of fraudulent transactions. |
Reduce and prevent fraud through identifying suspicious behavior.
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- Security
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SECURE SERVICES GUARANTEED 99.995% AVAILABILITY
Secure solutions, available around the clock, with rock-solid redundancy. Guaranteed.
Data security is a critical component of our web services. Service Objects offers the highest level of security available, to keep you in control of your customers’ data, at every touch point.
Security
- No customer data is captured, sold, or shared
- HTTPS protocol encrypts transactions sent to and from DOTS Web Services
- Primary and backup data centers in separate geographic locations
- 24/7/365 manned state state-of-the-art data centers with secured access
- Fully redundant, load-balanced hardware and Internet connections
- SSL with a minimum of 128-bit symmetric encryption and a 1024-bit authenticated key agreement
Availability
- Real-time XML Web service interface
- Service Level Agreement of 99.995%
- Redundant switches, firewalls, load balancers, servers, and backup systems ensure high availability
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 Download Security and Operating Procedures
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Click here for complete Data Security Information
- Pricing
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PRICING CONVENIENT SUBSCRIPTION OPTIONS TO CHOOSE FROM
We've made it easy for you by presenting our most popular packages. You may change your package settings at any time. If none of these packages meet your needs, or you would like to package multiple services, please contact us for a custom quote.
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| Monthly Subscription |
Free |
$119 / mo |
$289 / mo |
$479 / mo |
Special pricing available for larger volume orders |
| One Time Setup Fee* |
None |
$95 |
$95 |
$95 |
| Transactions |
500 Total |
3,000 / mo |
12,000 / mo |
24,000 / mo |
| 24-7-365 Support |
Not Included |
Included |
Included |
Included |
Included |
| Usage Reports |
Included |
Included |
Included |
Included |
Included |
| XML/SOAP/HTTP API |
Included |
Included |
Included |
Included |
Included |
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View Details |
View Details |
View Details |
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* A one-time $95 activation fee applies on month-to-month agreements. No activation fee for one-year prepaid agreements.
Payment due upon account activation.
