BIN / IP Fraud Signal
A defensive check for merchants: compare the country a card was issued in (from its BIN) with the country of the buyer's IP, and flag proxy/VPN or datacenter IPs. It does not check a card — it compares countries. Nothing is stored.
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Frequently asked questions
What does the BIN / IP fraud signal check?
It compares the country a card was issued in (derived from the card's BIN — the first 6–8 digits) with the country of the buyer's IP address. When these differ, or the IP is a proxy/VPN or a datacenter, the order carries more risk — a signal merchants weigh during fraud screening.
Is this a card checker?
No. It does not validate, charge or verify a card. It only looks at the BIN's country and the IP's country and compares them. It is a defensive risk-scoring helper for merchants and developers.
What do low / medium / high mean?
Low — card country and IP country match. Medium — they match but the IP is a proxy/VPN or datacenter. High — the card and IP countries differ. These are signals, not verdicts: a mismatch can be a legitimate traveller, so combine it with your other checks.
Where does the data come from?
The card country comes from the public BIN/IIN ranges used by the PAYATE BIN Lookup; the IP country comes from a public geo-IP service. Nothing is stored by this tool.
Can I rely on this alone to block an order?
No. Country mismatch is one input among many (AVS, CVV result, velocity, device, history). Use it to flag orders for review, not as a sole decision.