DOTS BIN Validation Example

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. Free Trial

30-DAY USE
Overview

What is it?

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.

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.

 
Features & Benefits

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
  • Identify bank name, phone number of issuer, and country of issue
  • Real-time API with typical response-time of 400mS seconds or less

BENEFITS

Improve business results through reduced charge-backs, and better discoverability of fraudulent transactions. Reduce and prevent fraud through identifying suspicious behavior.
 
Security

SECURE SERVICES GUARANTEED 99.995% AVAILABILITY

Security

  • No customer data is retained or stored
  • HTTPS protocol encrypts transactions sent to
    and from DOTS Web Services
  • Primary and backup data centers in separate geographic locations
  • Fully redundant, load-balanced hardware and Internet connections are used

Availability

DOTS Security
Security and Operating Procedures PDFDownload Security and Operating Procedures
 
Pricing

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.


Free Trial Silver Gold Platinum Volume
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
View Details View Details View Details

* 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. Please call for additional volume discounts.
 
Developer's Tools

EXAMPLES & RESOURCES

Developer's Guide

Download the developer-written guide. It covers BV integration, Web service structure, request types and other pertinent information that will help you be successful in understanding and implementing this service.

Service Path

See the service path for BV and access several samples of SOAP requests and responses.

XML WSDL

See XML WSDL for descriptions of BV data types, details, interface, location and protocol.

Sample Code

See sample code available in ASP,C# and PHP.