Corporate Card BIN Lookup: Why It Matters More Than You Think
A BIN (Bank Identification Number) is the first 6 digits of a payment card. These digits help identify the issuing bank, the card network (Visa, Mastercard, etc.), the card type (credit, debit, prepaid), and most importantly - whether the card is personal or corporate/business.
A BIN lookup is the process of using these 6 digits to retrieve that data in real time. It’s commonly used for. It’s commonly used for
A BIN lookup is the process of using these 6 digits to retrieve that data in real time. It’s commonly used for. It’s commonly used for
- Detecting fraud
- Routing payments based on cost
- Applying legal surcharges
- Avoiding high-risk cards
- Understanding cross-border transactions
In just a few milliseconds, you can determine how much a card might cost you to process and whether you’re allowed to pass that cost to the customer.
Why Corporate Card BIN Lookup Is Critical
Most businesses treat all cards equally, and that’s a mistake.
Corporate and business cards often carry 5–10x higher interchange fees compared to personal debit cards.Let’s break it down:
Corporate and business cards often carry 5–10x higher interchange fees compared to personal debit cards.Let’s break it down:
- Corporate/business card: 1.5% – 2.5% interchange fees
- Personal debit card: 0.2% – 0.3% interchange fees
If you’re a B2B merchant, SaaS platform, or low-margin retailer, this difference adds up fast. Accepting a £10,000 payment with a corporate card might cost you £200+ in fees, whereas a personal card might cost under £30.
You’re not just losing profit, you’re absorbing unnecessary cost without even knowing it.
That’s why corporate card BIN lookup is essential. With just the first 6 digits, you can:
You’re not just losing profit, you’re absorbing unnecessary cost without even knowing it.
That’s why corporate card BIN lookup is essential. With just the first 6 digits, you can:
- Detect if the card is corporate/business or personal
- Alert the customer to potential surcharges
- Offer alternative, lower-cost payment options like open banking
- Report and optimize based on card usage patterns
Feensure: Fast, Accurate BIN Lookup for Corporate Cards
Feensure offers a purpose-built BIN intelligence API designed for high-accuracy corporate card detection, especially for UK-based businesses.
✅ ~20ms Response Time
Feensure gives near-instant results, making it suitable for live checkout flows and payment orchestration platforms.
✅ 99%+ Accuracy for UK BINs
Unlike generic BIN databases, Feensure is fine-tuned for UK-issued cards with up-to-date classifications across business, corporate, prepaid, and consumer segments.
✅ Real-time Data for Smart Decision-Making
Feensure helps you detect:
✅ ~20ms Response Time
Feensure gives near-instant results, making it suitable for live checkout flows and payment orchestration platforms.
✅ 99%+ Accuracy for UK BINs
Unlike generic BIN databases, Feensure is fine-tuned for UK-issued cards with up-to-date classifications across business, corporate, prepaid, and consumer segments.
✅ Real-time Data for Smart Decision-Making
Feensure helps you detect:
- Whether the card is corporate, business, or personal
- The issuing bank and country
- The brand (e.g., Mastercard Business Premium)
- Estimated interchange fees
- Eligibility for surcharging
With accurate BIN data:
- Route payments more efficiently
- Display fee warnings before charging
- Integrate with accounting and reconciliation workflows
Surcharging isn’t about penalizing your customer it’s about giving them a transparent choice, while keeping your business sustainable.
Try Our Free BIN Checker Tool
Use the tool below to instantly detect the card type by entering the first 6 digits.
We don’t store or process full card numbers. Only the first 6 digits (BIN) are used for classification.
Real-Time Card Intelligence
Check the BIN.
Instantly.
Card Type
-
The card type tells you whether the card is business, corporate, or personal.This information helps you decide whether to surcharge the fee or offer alternative payment options like bank transfers.
It's one of the most important indicators in B2B transactions.
It's one of the most important indicators in B2B transactions.
Card Scheme
-
The card scheme refers to the card network like Visa, Mastercard, or Amex.
Different schemes have different rules, fees, and levels of support.
Knowing the scheme helps you prepare for processing and compliance needs.
Different schemes have different rules, fees, and levels of support.
Knowing the scheme helps you prepare for processing and compliance needs.
Bank
-
This shows which bank issued the card and in which country.
It can help you detect region-specific risks or offer location-based alternatives.Bank data also helps identify open banking or direct debit options.
It can help you detect region-specific risks or offer location-based alternatives.Bank data also helps identify open banking or direct debit options.
Interchange Rate
%-
The interchange rate is the estimated fee you pay to accept this card.It depends on the card scheme, card type, and transaction method.
Understanding this helps you protect your margins and avoid unexpected costs.
Understanding this helps you protect your margins and avoid unexpected costs.
Why It Matters for Low-Margin Businesses
If you’re running on tight margins, every transaction matters.
Wholesale businesses, travel agencies, SaaS platforms, and online retailers often operate with net margins between 2%–8%. Losing 1.5% of that to high card fees without recourse is unsustainable.
Wholesale businesses, travel agencies, SaaS platforms, and online retailers often operate with net margins between 2%–8%. Losing 1.5% of that to high card fees without recourse is unsustainable.
Feensure helps these businesses:
- Detect and respond to corporate card usage
- Apply surcharges where allowed
- Switch to lower-cost payment options
- Maintain profitability in high-volume payment environments
In short: corporate card BIN lookup is no longer optional, it’s a strategic lever for financial control.
Pricing Plans – Choose What Fits Your Needs
Special offer: 50% discount for the first 6 months if you sign up through F6S
Pricing
Affordable pricing plans
Choose a plan that fits your needs and start unlocking real savings.
All plans are designed for high ROI and flexible monthly or yearly billing.
Free Plan
£0
/month
Get started with basic BIN-level insights.
Perfect for testing or light use.
5000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
No Credit-Card Required
Issuer Bank Info
Surcharge Rates
Bulk Queries
You can not switch to free plan
Basic Plan
£29.00
/month
Detect card type at scale.
Ideal for teams who need more than free-tier limits but don't require full surcharge insights yet.
10.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Email Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Cost Saver Plan
£99.00
/month
Unlock surcharge-ready fee insights.
Perfect for UK-based merchants and platforms.
10.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Priority Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Premium Plan
£199.00
/month
Scale your BIN intelligence with high volume limits.
Best for platforms and payment providers.
50.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Premium Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Free Plan
£0
/month
Get started with basic BIN-level insights.
Perfect for testing or light use.
5000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
No Credit-Card Required
Issuer Bank Info
Surcharge Rates
Bulk Queries
You can not switch to free plan
Basic Plan
£19.00
/month
£228.00/year (billed annually)
Detect card type at scale.
Ideal for teams who need more than free-tier limits but don't require full surcharge insights yet.
10.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Email Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Cost Saver Plan
£79.00
/month
£948.80/year (billed annually)
Unlock surcharge-ready fee insights.
Perfect for UK-based merchants and platforms.
10.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Priority Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Premium Plan
£149.00
/month
£1,788.00/year (billed annually)
Scale your BIN intelligence with high volume limits.
Best for platforms and payment providers.
50.000 requests / month
BIN Number Lookup
Card Type Detection
Issuing Country
Premium Support
Issuer Bank Info
Surcharge Rates
Bulk Queries
Your current plan
Final Thoughts – Smarter Payments Start With Better Data
Identifying the card type is no longer a luxury: it’s a smart business move.
With Feensure’s BIN checker, you can make better decisions, reduce unnecessary fees, and serve your customers more transparently.
Start now and see how much you could be saving.
With Feensure’s BIN checker, you can make better decisions, reduce unnecessary fees, and serve your customers more transparently.
Start now and see how much you could be saving.