Automatic BIN enrichment on every card transaction — card network, type, level, issuing bank, country, and fraud risk signals. All 5 major networks supported out of the box.
vcurd ships with a pre-loaded BIN database covering thousands of Indian and international card ranges.
Pre-built rule templates for the most common card fraud patterns in India.
RuPay cards cannot be used internationally. Any transaction where a RuPay BIN is flagged as international indicates data tampering — auto-blocked at Critical severity.
International prepaid cards (Visa/MC foreign range + PREPAID type) are a primary vector for anonymous card fraud. Blocked immediately.
The trifecta of account takeover via international card. All three signals together = Critical block.
International card with amount > ₹5,000 — flagged for analyst review. High false-positive risk without review.
Prepaid card with velocity_1h > 2 — gift card draining pattern. Flagged across Visa, Mastercard, and RuPay prepaid ranges.
Amex or Diners Club transaction above ₹10,000 — requires second-factor authentication before proceeding.
Corporate card (is_commercial=true) used between 11 PM–5 AM — unusual for legitimate business expenses.
Any prepaid card transaction above ₹2,000 — prepaid cards are designed for small purchases. Flagged for review.
Submit just the first 6–8 digits (BIN). vcurd returns the full card profile in milliseconds.
card_networkVISA, MASTERCARD, RUPAY, AMEX, DINERS, UNKNOWN
card_typeDEBIT, CREDIT, PREPAID, CHARGE
card_levelCLASSIC, GOLD, PLATINUM, SIGNATURE, INFINITE, WORLD, CORPORATE, SELECT, CENTURION
issuing_bankSBI, HDFC, ICICI, Axis, Kotak, PNB, Canara, BoB, Yes Bank…
country_codeIN, US, GB, SG, AE, AU — two-letter ISO country code
is_internationalTrue if BIN is issued outside India
is_commercialTrue for corporate / business cards
bin_validatedTrue if BIN exists in the database — unknown BINs are flagged automatically
Request a live demo and we'll walk through BIN enrichment and card fraud rule configuration for your use case.