Why BINs Matter to Issuers—and Why Merchants Should Pay Attention

Card issuers rely heavily on BIN data to make real-time decisions—determining card type, applying risk rules, managing authorizations, fulfilling regulatory requirements, and tailoring rewards programs based on card product or issuer-specific strategies. While these processes occur behind the scenes, they have a direct impact on merchants by influencing approval rates, fraud checks, surcharging eligibility, and overall transaction outcomes. Understanding how issuers utilize BINs can help merchants refine their retry logic, minimize false declines, reduce costs, and enhance the customer experience. In this session, leading issuers will share their approaches to BIN management and discuss how greater alignment with merchants can drive better results across the payments ecosystem.

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