Token BINs

As digital wallets like Apple Pay and Google Pay become the standard for modern commerce, processing transactions securely requires understanding advanced payment tokens. For accurate transaction processing and risk analysis of tokenized payments, it is essential to distinguish between a physical card and its digital representation.

FPAN vs. DPAN Identification

• FPAN (Funding PAN): The original 16-digit card number issued by the bank, used to retrieve core card attributes such as brand, type, category, and country.
• DPAN (Device PAN): The secure digital token generated by a Token Service Provider (TSP), which appears in the transaction flow for mobile and digital wallets.
• PAR (Payment Account Reference): A non-PAN identifier linking multiple DPANs to a single FPAN. Note that PAR is not a numeric prefix and cannot be retrieved via traditional BIN lookups.

Identifying Token BIN Ranges

ExactBins provides the capability to identify DPAN ranges, which are distinct from physical FPAN ranges. Recognizing these token ranges allows businesses to deploy specific risk rules tailored to tokenized versus non-tokenized transactions across major networks like Visa, Mastercard, Maestro, American Express, and Discover.

Technical Implementation & Database Support

Support for token identification and DPAN range mapping is included in our advanced database builds, featuring:

• Token Indicators: Dedicated flags within our extended database to identify if a BIN range belongs to a Token Service Provider.
• Data Mapping: Seamless identification of the underlying bank, card product, and issuing country via the FPAN, while recognizing token indicators via DPAN ranges.

ExactBins Token Data Availability

Upgrade your fraud prevention and risk management systems with complete tokenized range processing. Full Token Identification and DPAN range mapping data is available as an extended feature for a one-time price of $2500.