Card Checker API

Card Checker API

The Card Checker API is a powerful tool for businesses to validate bank card authenticity, prevent fraud, and ensure smooth transactions.

About the API:  

A Card Checker API is a powerful system designed to improve the security and accuracy of bank card transactions by validating the first six digits of a card, known as the Bank Identification Number (BIN). The main purpose of this service is to verify the authenticity of a bank card and provide essential details about it.

When a user interacts with the service, they simply send a GET request containing the first six digits of the bank card they wish to validate. These digits uniquely identify the card issuer and play a crucial role in determining the card's characteristics.

Once the BIN number is received, the verification service initiates a robust and fast process. The first step is to check the BIN number provided against an extensive database of known and authentic BIN numbers.

The validation process yields several possible results. First, it indicates whether the card is valid or not. This is a crucial aspect, especially for online merchants, as it helps them distinguish between authentic and potentially fraudulent transactions. By filtering out invalid cards, merchants can minimize risks and safeguard their operations.

In addition, the service can provide more card-related information, such as the type of card. For example, whether it is a credit, debit, prepaid or gift card. This information helps companies tailor their services to different card types and ensure a smooth user experience.

In addition, the verification service can provide details on the name of the issuing bank and the country of issuance. This information is valuable for companies that operate internationally and need to adapt their payment processing systems according to regional banking practices.

One of the main advantages of this Card Checker API is its ability to streamline the payment process. By quickly confirming the validity of bank cards, the service reduces the number of rejected transactions, which are often due to insufficient funds or invalid cards. This improves the overall efficiency of payment gateways and increases customer satisfaction.

Another significant benefit of the service is its contribution to fraud prevention. By identifying potentially fraudulent cards, the verification service enables companies to take proactive measures and minimize financial losses. In addition, it helps detect suspicious activity patterns, thus providing an additional layer of security to the payments ecosystem.

In summary, Card Checker API is an indispensable tool for companies wishing to strengthen the security and efficiency of their payment processing systems. By quickly validating the first six digits of a bank card, it enables companies to differentiate between valid and invalid cards, obtain critical card information and mitigate the risk of fraud. As online transactions proliferate, the importance of this service cannot be overstated, making it an essential component of modern financial operations.


What this API receives and what your API provides (input/output)?

It will receive parameters and provide you with a JSON.


What are the most common uses cases of this API?

  1. Online payment gateways: Online payment gateways can use the API to validate the authenticity of bank cards before processing transactions. This helps prevent fraudulent activity and ensures smooth payment processing for merchants and customers.

  2. E-commerce platforms: E-commerce websites can integrate the API to verify the validity of bank cards during the payment process. This reduces the number of declined transactions and improves the overall shopping experience.

  3. Subscription services: Companies offering subscription-based services can use the API to ensure that customers' card details are valid and active before initiating recurring payments.

  4. Mobile wallet applications: Mobile wallet applications can integrate the API to verify bank cards linked to the user's account. This ensures secure transactions within the app and protects against fraudulent activity.

  5. Financial institutions: Banks and financial institutions can use the API as part of their fraud prevention measures. It helps them detect and block invalid or suspicious bank card transactions, safeguarding their customers' funds.

Are there any limitations to your plans?

  • Basic Plan: 3,000 API Calls. 45 requests per second

  • Pro Plan: 10,00 API Calls. 45 requests per second

  • Pro Plus Plan: 25,000 API Calls. 45 requests per second

  • Premium Plan: 70,000 API Calls. 45 requests per second

API Documentation


To use this endpoint all you have to do is enter a bin number in the parameter.


Check card - Endpoint Features
Object Description
bin [Required]
Test Endpoint


                                                                                                                                                                                                                            {"bin_number":435177,"bank":"Guaranty Bank And Trust Company Of Delhi, Louisiana","scheme":"VISA","type":"Debit","country":"United States"}

Check card - CODE SNIPPETS

curl --location --request GET '' --header 'Authorization: Bearer YOUR_API_KEY' 


API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the Card Checker API REST API, simply include your bearer token in the Authorization header.


Header Description
Authorization [Required] Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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The user must enter a bin number.

There are different plans suits everyone including a free plan for small amount of requests per day, but it’s rate is limit to prevent abuse of the service.

Zyla provides a wide range of integration methods for almost all programming languages. You can use these codes to integrate with your project as you need.

The Card Checker API allows users to efficiently authenticate bank cards. By validating card data, it ensures secure and hassle-free transactions.

Zyla API Hub is, in other words, an API MarketPlace. An all-in-one solution for your developing needs. You will be accessing our extended list of APIs with only your user. Also, you won't need to worry about storing API keys, only one API key for all our products is needed.

Prices are listed in USD. We accept all major debit and credit cards. Our payment system uses the latest security technology and is powered by Stripe, one of the world’s most reliable payment companies. If you have any trouble with paying by card, just contact us at [email protected]

Sometimes depending on the bank's fraud protection settings, a bank will decline the validation charge we make when we attempt to be sure a card is valid. We recommend first contacting your bank to see if they are blocking our charges. If more help is needed, please contact [email protected] and our team will investigate further

Prices are based on a recurring monthly subscription depending on the plan selected — plus overage fees applied when a developer exceeds a plan’s quota limits. In this example, you'll see the base plan amount as well as a quota limit of API requests. Be sure to notice the overage fee because you will be charged for each additional request.

Zyla API Hub works on a recurring monthly subscription system. Your billing cycle will start the day you purchase one of the paid plans, and it will renew the same day of the next month. So be aware to cancel your subscription beforehand if you want to avoid future charges.

Just go to the pricing page of that API and select the plan that you want to upgrade to. You will only be charged the full amount of that plan, but you will be enjoying the features that the plan offers right away.

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