Token Enrichments

Basis Theory offers several features that can be used to enrich the tokens that are tokenized. The following enrichments, when activated, can be found within the enrichments property of a Token.

Attribute	Type	Token Types	Description
bin_details	object	card , card_number	Object containing information related to the BIN of the tokenized credit card
card_details	object	card , card_number	Object containing card details related to the tokenized credit card

Using Token Enrichments

When a specific Enrichment is activated for a Tenant, each is added as a token property and returned during every token operation and is available to be used within Detokenization Expressions.

Card Details

Enterprise

Card details include specific details on the card to enable better visibility into the card's origin and function. These values are derived from BIN Details to ensure accuracy of the information and also making the BIN Details enrichment a pre-requisite for this enrichment.

Property	Type	Description
last4	string	Last four digits of the tokenized card number
bin	string	BIN based on the details found in the bin_details.bin_length enrichment property

Default Bin

If a BIN Detail record cannot be found for a given card number, a default bin value will be derived from the card number. In this scenario, the returned bin length may not exactly match the actual issuer's bin length.

Rule	Default Bin Length	Example Card Number	Example Default Bin
Card number < 16 digits	6	411111111111111	411111
Card number >= 16 digits	8	4242424242424242	42424242

BIN Details

Enterprise

Request access to this feature in your Tenant's Quota Page.

BIN details, or Bank Identification Number details, represent a fundamental aspect of credit card processing. Each credit card is associated with a unique BIN, which serves as a numerical identifier for the issuing bank or financial institution. These details hold crucial technical significance as they help validate transactions, prevent fraud, and optimize routing. Understanding the intricate mechanics of BIN details is vital for implementing secure and efficient credit card processing solutions.

Basis Theory offers two options for enriching card or card_number tokens with BIN details, depending on the level of detail you require:

Level	Description
Standard	Basic information about the credit card's function and origin.
Enhanced	Includes Standard Data and also interchange, authentication, and other more advanced details.

Standard Data

Properties

Property	Type	Description
bank	object
.name	string	Issuing bank name
.phone	string	Issuing bank phone
.url	string	Issuing bank website
.clean_name	string	Issuing bank name that has been reformatted for human readability
card_brand	string	Card brand
card_segment_type	string	["", "Business", "Commercial", "Consumer", "Government"]
country	object
.alpha2	string	Issuing country ISO3166 alpha country code
.numeric	string	Issuing country ISO3166 numeric country code
.name	string	Issuing country name
prepaid	bool	Is prepaid BIN
product	object
.code	string	The product code
.name	string	The product name
type	string	Card type ["Credit", "Debit"]

card_brand in Bin Details does not follow the standardized format used in Token and Token Intent. To ensure consistency and standardization, use the response from Token.Card.Brand or TokenIntent.Card.Brand.

JSON example

{
  "bank": {
    "name": "JPMORGAN CHASE BANK, N.A.",
    "phone": "800-432-3117",
    "url": "www.jpmorganchase.com",
    "clean_name": "JPMORGAN CHASE BANK, N.A."
  },
  "card_brand": "VISA",
  "card_segment_type": "CONSUMER",
  "country": {
    "alpha2": "US",
    "numeric": "840",
    "name": "United States of America"
  },
  "prepaid": false,
  "product": {
    "code": "D",
    "name": "VISA TRADITIONAL"
  },
  "type": "CREDIT"
}

Enhanced Data

Properties

Data Field	Variable Type	Description
account_updater	bool	Account Updater enabled
additional_card_brands	object
.card_brand	string	Name of the additional brand
.card_brand_product	string	Card brand product
.card_brand_bank_name	string	Issuing bank
alm	bool	Participating in Account Level Management
authentication	array	Authentication requirements, e.g., [{"authentication_name": "EU PSD2 - SCA"}]
.authentication_name	string	The type of authentication required, e.g., EU PSD2 - SCA
bank	object
.name	string	Issuing bank name
.phone	string	Issuing bank phone
.url	string	Issuing bank website
.clean_name	string	Issuing bank name that has been reformatted for human readability
bin_length	string	Length of BIN
card_brand	string	Card brand
card_segment_type	string	Indicator of consumer BIN or commercial BIN. Values include: Business, Commercial, Consumer, Government
combo_card	string	Card has combined card type capabilities
cost	array	Identifies associated costs by name and amount
.cap_advalorem_amount	string	Interchange percentage (decimal) assessed
.cap_type_name	string	Name of the regulated interchange cap
.cap_fixed_amount	string	If a fixed or regulated interchange amount applies, the amount will be shown here
domestic_only	bool	Domestic-only BIN
gambling_blocked	bool	Is not permitted to be used for online gambling
issuer_currency	string	3-digit ISO-3166 Currency
level2	bool	Level 2 interchange rate eligibility
level3	bool	Level 3 interchange rate eligibility
pan_or_token	string	Indicates whether the BIN is a PAN or a Network Token. Values include: pan, token
product	object
.code	string	The product code
.name	string	The product name
reloadable	bool	Is reloadable
type	string	Card type. Values include: Credit, Debit

JSON example

{
  "account_updater": true,
  "additional_card_brands": [
    {
      "card_brand": "Visa",
      "card_brand_product": "Platinum",
      "card_brand_bank_name": "Example Bank"
    }
  ],
  "alm": "Managed",
  "authentication": {
    "authentication_required": true,
    "authentication_name": "EU PSD2 - SCA"
  },
  "bank": {
    "name": "JPMORGAN CHASE BANK, N.A.",
    "phone": "800-432-3117",
    "url": "www.jpmorganchase.com",
    "clean_name": "JPMORGAN CHASE BANK, N.A."
  },
  "bin_length": "6",
  "card_brand": "VISA",
  "card_segment_type": "Consumer",
  "combo_card": "Gold",
  "cost": [
    {
      "cap_fixed_amount": 0,
      "cap_advalorem_amount": 0.0115,
      "cap_type_qualifier_text": "EU XB CNP MIF"
    }
  ],
  "domestic_only": true,
  "gambling_blocked": true,
  "issuer_currency": "USD",
  "level2": false,
  "level3": true,
  "pan_or_token": "Token",
  "product": {
    "code": "F",
    "name": "Visa Classic"
  },
  "reloadable": false,
  "type": "Debit"
}

Product Code Reference

Visa

Card Product Code	Card Product Name
A	Visa Traditional
B	Visa Traditional Rewards
C	Visa Signature
D	Visa Signature Preferred
F	Visa Classic
G	Visa Business
G1	Visa Signature Business
G3	Visa Business Enhanced
G4	Visa Infinite Business
G5	Visa Business Rewards
I	Visa Infinite
I1	Visa Infinite Privilege
I2	Visa UHNW
J3	Visa Prepaid Healthcare
K	Visa Corporate
K1	Visa Government Corporate T&E
L	Electron
N	Visa Platinum
N1	Visa Rewards
N2	Visa Select
O	Reserved
P	Visa Gold
Q	Private Label
Q2	Private Label Basic
Q3	Private Label Enhanced
Q4	Private Label Standard
Q5	Private Label Specialized
Q6	Private Label Premium
R	Proprietary
S	Visa Purchasing
S1	Visa Purchasing
S2	Visa Government Purchasing
S3	Visa Government Purchasing with Fleet
S4	Visa Commercial Agriculture
S5	Visa Commercial Transport
S6	Visa Business Loan
Sl	Visa Purchasing with Fleet
U	Visa TravelMoney
V	Visa V Pay
X	Visa B2B

Mastercard

Card Product Code	Card Product Name
ACS	ACH for Consumer
BPC	Bill Pay Commercial
BPD	Mastercard World Business Debit
CIR	Cirrus Card
DBK	DIGITAL MASTERCARD BLACK
DCG	DIGITAL GOLD
DCS	DIGITAL STANDARD
DPL	DIGITAL PLATINUM
MAB	World Elite Mastercard for Business
MAC	Mastercard Corporate World Elite Card
Maestro	Branded Prepaid business programs issued in Europe
MAP	Mastercard Commercial Payment Account
MAQ	Mastercard Prepaid Commercial Payment Account
MBA	MasterCard B2B Product 2
MBB	Mastercard Prepaid Consumer
MBC	MasterCard Prepaid Voucher
MBD	Debit MasterCard Professional Card
MBE	MasterCard Electronic BusinessCard Card
MBF	MasterCard Alimentacao (Food)
MBG	MasterCard B2B Product 3
MBH	MasterCard B2B Product 4
MBI	MasterCard B2B Product 5
MBJ	MasterCard B2B Product 6
MBK	MasterCard Black
MBM	MasterCard Refeicao (Meal)
MBP	MasterCard Corporate Prepaid
MBS	MasterCard B2B Product 1
MBW	World MasterCard Black Edition
MCB	MasterCard BusinessCard Card
MCC	Mixed Product
MCC	MASTERCARD MIXED
MCE	MasterCard Electronic
MCF	MasterCard Corporate Fleet Card
MCG	Gold MasterCard
MCM	MasterCard Corporate Meeting Card
MCO	MasterCard Corporate Card
MCP	Mastercard Corporate Purchasing Card
MCS	Mastercard Standard
MCT	Titanium MasterCard
MCU	MasterCard Unembossed Card
MCW	World MasterCard Card
MDB	Debit MasterCard BusinessCard Card
MDG	Debit Gold MasterCard
MDH	World Debit MasterCard Embossed
MDJ	Debit MasterCard (enhanced)
MDO	Debit MasterCard Other Programs
MDP	Debit Platinum MasterCard
MDS	Debit MasterCard
MDS	Debit MasterCard
MDS	DEBIT STANDARD
MDT	Business Debit MasterCard
MDU	Debit MasterCard Unembossed
MDW	World Elite Debit MasterCard
MEB	MasterCard Executive BusinessCard Card
MEO	MasterCard Corporate Executive Card
MEP	Premium Debit MasterCard
MES	Mastercard Enterprise Solutions
MET	Titanium Debit MasterCard
MFR	MasterCard Commercial Reward Funding
MGF	MasterCard Government Commercial Card
MGP	Mastercard Prepaid Gold Payroll
MGS	Platinum Mastercard Prepaid General Spend
MHA	MasterCard Healthcare Prepaid Non
MHB	MasterCard HSA Substantiated
MHH	MasterCard HSA Non
MHP	HELOC Platinum MasterCard
MHS	HELOC Standard MasterCard
MIC	ISIC MasterCard Student Card
MIP	ISIC MasterCard Prepaid Student Card
MIS	ISIC Debit MasterCard Student Card
MIU	Debit MasterCard Unembossed
MLA	MasterCard Central Travel Solutions Air
MLB	MasterCard Brazil Prepaid Benefits
MLC	MasterCard Micro
MLD	MasterCard Distribution Card
MLE	MasterCard Pedagio Prepaid Card
MLF	MasterCard Agro
MLL	MasterCard Central Travel Solutions Land
MNF	MasterCard Public Sector Commercial Card
MNW	World MasterCard Card
MOW	World Maestro
MPA	Prepaid MasterCard Payroll Card
MPB	MasterCard Preferred BusinessCard Card
MPC	MasterCard Professional Card
MPD	Mastercard Flex Prepaid
MPF	Prepaid MasterCard Gift Card
MPG	Prepaid MasterCard General Spend Card
MPJ	Prepaid MC Debit Voucher Meal/Food Card
MPL	Platinum MasterCard
MPM	Prepaid MasterCard Consumer Incentive Card
MPN	Prepaid MasterCard Insurance Card
MPO	Prepaid MasterCard Other Card
MPP	MasterCard Prepaid Embossed
MPR	Prepaid MasterCard Travel Card
MPV	Prepaid MasterCard Government Card
MPW	Prepaid MasterCard Workplace B2B Solutions
MPX	Prepaid MasterCard Flex Benefit Card
MPY	Prepaid MasterCard Employee Incentive Card
MRC	Prepaid MasterCard Electronic Card
MRD	Platinum Debit Mastercard Prepaid General Spend
MRF	Standard Deferred
MRG	Prepaid MasterCard Card
MRH	MasterCard Prepaid Platinum Travel Card
MRJ	Prepaid MasterCard Voucher Meal/Food Card
MRK	Prepaid MC Public Sector Commercial Card
MRL	Mastercard Prepaid Business Preferred
MRO	MasterCard Rewards Only
MRW	Prepaid MasterCard BusinessCard Card
MSB	Maestro Small Business
MSI	Maestro Card
MSI	MAESTRO
MTP	MasterCard Platinum Prepaid Travel
MUP	Platinum Debit MasterCard Unembossed
MUS	Prepaid MasterCard Unembossed
MVA	Mastercard B2B VIP 1
MVB	Mastercard B2B VIP 2
MVC	Mastercard B2B VIP 3
MVD	Mastercard B2B VIP 4
MVE	Mastercard B2B VIP 5
MVF	Mastercard B2B VIP 6
MVG	Mastercard B2B VIP 7
MVC	Mastercard B2B VIP 3
MVD	Mastercard B2B VIP 4
MVE	Mastercard B2B VIP 5
MVF	Mastercard B2B VIP 6
MVG	Mastercard B2B VIP 7
MVH	Mastercard B2B VIP 8
MVJ	Mastercard B2B VIP 10
MVK	Mastercard B2B VIP 11
MVL	Mastercard B2B VIP 12
MVM	Mastercard B2B VIP 13
MVN	Mastercard B2B VIP 14
MWB	World MasterCard for Business
MWE	World Elite MasterCard Card
MWF	Mastercard Humanitarian Prepaid
MWO	MasterCard Corporate World Card
MWP	Mastercard World Prepaid
MXG	Digital Enablement Program
OLB	Maestro Small Business
OLC	Prepaid MasterCard Commercial Card
OLR	Prepaid MasterCard Consumer Card
OLS	Maestro
PVL	Private Label
PVT	Private Label Trade Program
SAP	MasterCard Salary Platinum
SAS	MasterCard Salary Standard
SUR	Prepaid MasterCard Unembossed
TCB	Mastercard BusinessCard Card
TCC	MasterCard Mixed Product
TCG	Gold MasterCard
TCO	Mastercard Corporate Card
TCS	MasterCard Standard
TCW	World Elite Mastercard
TIC	ISIC MasterCard Student Card
TIU	MasterCard Unembossed
TNW	World MasterCard
TPC	MasterCard Professional Card
TPL	Platinum MasterCard
TWB	World MasterCard Black Edition
WBE	World MasterCard Black Edition
WDR	World Debit MasterCard Rewards
WMR	World MasterCard Rewards
WPD	World Prepaid Debit

Testing

Your Test Tenant can be configured to return fake data for the BIN Details enrichment and can be requested in the Tenant's Quota Page.

When fake responses are enabled the following will occur:

1. If a card does not have a static value below, on every request a random set of BIN details following the enhanced data structure.
2. If a card does have a static value below, on every request the BIN details will be the same.

The following card numbers ranges have static BIN Details:

All the 3DS Test Cards are included in the fake BIN database as CREDIT cards.

Card Number Begin	Card Number End	Type	Card Brand	Test Card Example	Issuer Country
4242424242424242	4242424242424242	CREDIT	VISA	4242424242424242	Bermuda
5555555555550000	5555555555560000	CREDIT	MASTERCARD	5555555555554444	Türkiye
2720394612465072	2720394612465072	CREDIT	MASTERCARD	2720394612465072	United States
378282246310000	378282246310010	CREDIT	AMEX	378282246310005	Faroe Islands
4000056655665550	4000056655665550	CREDIT	VISA	4000056655665556	Chile
6200000000000000	6200000000000000	CREDIT	UNIONPAY	6200000000000005	Svalbard & Jan Mayen Islands
6011010000000000	6011010000000005	DEBIT	DISCOVER	6011010000000003	Bermuda
6011981111111113	6011981111111113	DEBIT	DISCOVER	6011981111111113	United States
3566002020360504	3566002020360506	DEBIT	JCB	3566002020360505	Bermuda
3530111333300000	3530111333300000	DEBIT	JCB	3530111333300000	United States
378282246310011	378282246310020	DEBIT	VISA	378282246310013	Bermuda
4005550000081018	4005550000081020	DEBIT	VISA	4005550000081019	Bermuda
5112000400000000	5112000400000001	DEBIT	MASTERCARD	5112000400000000	Bermuda
5112010000000003	5112010100000002	DEBIT	MASTERCARD	5112010000000003	Bermuda
5200828282828210	5200828282828210	DEBIT	MASTERCARD	5200828282828210	United States
6011000990139420	6011000990139430	CREDIT	DISCOVER	6011000990139424	Bermuda
6011000995500000	6011000995500000	CREDIT	DISCOVER	6011000995500000	United States
5589092000000000006	5589092000000000006	DEBIT	MASTERCARD	5589092000000000006	United States
5589620000000000007	5589620000000000007	DEBIT	MASTERCARD	5589620000000000007	United States