CardSense Overview

Document created by matthew.milner on May 10, 2016Last modified by jeff.gross@vantiv.com on Aug 10, 2016
Version 4Show Document
  • View in full screen mode

Express provides two methods to determine if a card falls into a specific BIN range: BINQuery and EnhancedBINQuery.  These methods are used to determine if a Visa or MasterCard card falls into a specific BIN range and returns a variable number of fields, each representing a single BIN attribute, such as PrepaidCard, DebitCard, and DurbinBINRegulation.

 

The EnhancedBINQuery method provides the most detailed BIN information and is recommended for all new development. The BINQuery method is maintained for existing applications. The input fields are the same for both methods; the output fields are different.

 

Processing Flow

Software developers wishing to use the service will call the programmatic BINQuery or EnhancedBINQuery method and provide the required input fields.  The response from Express will provide details as to whether the card falls into one of the defined BIN ranges, which can then be treated differently, if necessary, within the payment application.

 

EnhancedBINQuery XML Example Request: 

<EnhancedBINQuery xmlns="https://transaction.elementexpress.com"> 
<Credentials> 
<AccountID>INSERT</AccountID> 
<AccountToken>INSERT</AccountToken> 
<AcceptorID>INSERT</AcceptorID> 
</Credentials> 
<Application> 
<ApplicationID>INSERT</ApplicationID> 
<ApplicationName>INSERT</ApplicationName> 
<ApplicationVersion>INSERT</ApplicationVersion> 
</Application> 
<Card> 
<CardNumber>4635512222222225</CardNumber> 
<ExpirationMonth>12</ExpirationMonth> 
<ExpirationYear>19</ExpirationYear> 
</Card> 
</EnhancedBINQuery> 

 

BINQuery Response Parameters

Name

Class

Returned

Description

ExpressResponseCode

Response

Returned

ExpressResponse Code.

ExpressResponseMessage

Response

Returned

Text response message

ExpressTransactionDate

Response

Returned

Expressplatform transaction date

ExpressTransactionTime

Response

Returned

Expressplatform transaction

ExpressTransactionTimezone

Response

Returned

Expressplatform transaction time zone

BINTypeCode

Response.BIN

Returned

Numeric BIN type code

BINTypeValue

Response.BIN

Returned

BIN type value

BINDecorator

Response.BIN

Returned if BIN is found

BIN decorator

 

Enhanced Response Parameters

The EnhancedBINQuery method returns only those BIN indicators, which apply to the card queried.

Name

Class

Returned

Description

ExpressResponseCode

Response

Returned

ExpressResponse Code.

ExpressResponseMessage

Response

Returned

Text response message

ExpressTransactionDate

Response

Returned

Expressplatform transaction date

ExpressTransactionTime

Response

Returned

Expressplatform transaction

ExpressTransactionTimezone

Response

Returned

Expressplatform transaction time zone

Status

Response.EnhancedBIN

Returned

Query status

CheckCard

Response.EnhancedBIN

Returned

CheckCardindicator

CommercialCard

Response.EnhancedBIN

Returned

CommercialCardindicator

CreditCard

Response.EnhancedBIN

Returned

CreditCardindicator

DebitCard

Response.EnhancedBIN

Returned

DebitCardindicator

DurbinBINRegulation

Response.EnhancedBIN

Returned

DurbinBINRegulation

EBT

Response.EnhancedBIN

Returned

EBT indicator

FleetCard

Response.EnhancedBIN

Returned

FleetCardindicator

GiftCard

Response.EnhancedBIN

Returned

GiftCardindicator

HSAFSACard

Response.EnhancedBIN

Returned

HSAFSACardindicator

InternationalBIN

Response.EnhancedBIN

Returned

InternationalBINindicator

PinLessBillPay

Response.EnhancedBIN

Returned

PinLessBillPayindicator

PrepaidCard

Response.EnhancedBIN

Returned

PrepaidCardindicator

WIC

Response.EnhancedBIN

Returned

WIC indicator

Attachments

    Outcomes