Fast Funds Eligibility

The BIN Lookup Service retrieves BIN information and fast funds eligibility when processingInformation.payoutOptions.payoutInquiry is set to true in the request. Send a payment card number or token as the payment credential along with the payout inquiry field to receive eligibility information in the response.

Endpoint

POST /bin/v1/binlookup

Include this fast funds eligibility field in the request for the BIN Lookup Service:

Field	Type	Description
`processingInformation.payoutOptions.payoutInquiry`		View field reference → Set this field to `true` to get fast funds eligibility information in the response.

Include one of these payment credential fields in the request:

Field	Type	Description
`paymentInformation.card.number`		View field reference → Set this field to the full payment card number (recommended) or network token.
`paymentInformation.customer.id`		View field reference →
`paymentInformation.instrumentIdentifier.id`		View field reference →
`paymentInformation.paymentInstrument.id`		View field reference →
`tokenInformation.jti`		View field reference →
`tokenInformation.transientTokenJwt`		View field reference →

These fields are optional for a BIN Lookup Service request with fast funds eligibility information:

Optional Fields

Field	Type	Description
`paymentAccountInformation.network.id`		View field reference →
`processingInformation.binSource`		View field reference →
`processingInformation.payoutOptions.acquirerBin`		View field reference →
`processingInformation.payoutOptions.networkID`		View field reference →

Examples

These examples show various BIN Lookup Service requests with fast funds eligibility options enabled and successful responses.

Payment Card with Fast Funds

{  "paymentInformation": {    "card": {      "number": "4XXXXXXXXXXXXXXX"    }  },  "processingInformation": {    "payoutOptions": {      "payoutInquiry": true    }  }}

{  "id": "6590834057836283403955",  "submitTimeUtc": "2022-07-29T08:30:05Z",  "status": "COMPLETED",  "paymentAccountInformation": {    "card": {      "type": "001",      "brandName": "VISA",      "maxLength": "16",      "currency": "AED",      "credentialType": "PAN"    },    "features": {      "accountFundingSource": "DEBIT",      "cardPlatform": "CONSUMER",      "comboCard": "0"    }  },  "issuerInformation": {    "name": "INTL HDQTRS-CENTER OWNED",    "country": "AE",    "accountPrefix": "4111111"  },  "payoutInformation": {    "pushFunds": {      "moneyTransferFastFundsCrossBorder": "Y",      "moneyTransferFastFundsDomestic": "Y",      "moneyTransferCrossBorder": "Y",      "moneyTransferDomestic": "Y",      "nonMoneyTransferFastFundsCrossBorder": "Y",      "nonMoneyTransferFastFundsDomestic": "Y",      "nonMoneyTransferCrossBorder": "Y",      "nonMoneyTransferDomestic": "Y",      "onlineGamblingFastFundsCrossBorder": "Y",      "onlineGamblingFastFundsDomestic": "Y",      "onlineGamblingCrossBorder": "Y",      "onlineGamblingDomestic": "Y"    }  }}

Brazil: Fast Funds Not Eligible

{  "id": "6590834057836283403955",  "submitTimeUtc": "2022-05-19T03:21:03Z",  "status": "COMPLETED",  "paymentAccountInformation": {    "card": {      "type": "001",      "brandName": "VISA",      "maxLength": "16",      "currency": "USD"    },    "features": {      "accountFundingSource": "PREPAID",      "cardPlatform": "CONSUMER",      "cardProduct": "Visa Electron",      "comboCard": "0"    }  },  "issuerInformation": {    "name": "BANCO DO BRASIL S.A.",    "country": "BR",    "phoneNumber": "5555555555",    "binLength": "6",    "accountPrefix": "4111111"  },  "payoutInformation": {    "pushFunds": {      "moneyTransferFastFundsCrossBorder": "N",      "moneyTransferFastFundsDomestic": "N",      "moneyTransferCrossBorder": "Y",      "moneyTransferDomestic": "Y",      "nonMoneyTransferFastFundsCrossBorder": "N",      "nonMoneyTransferFastFundsDomestic": "N",      "nonMoneyTransferCrossBorder": "Y",      "nonMoneyTransferDomestic": "Y",      "onlineGamblingFastFundsCrossBorder": "N",      "onlineGamblingFastFundsDomestic": "N",      "onlineGamblingCrossBorder": "Y",      "onlineGamblingDomestic": "Y"    }  }}

Response Fields

A response for the BIN Lookup Service with fast funds eligibility information can include these response fields:

Response Fields

Field	Description
`id`	View field reference →
`issuerInformation.accountPrefix`	View field reference →
`issuerInformation.binLength`	View field reference →
`issuerInformation.country`	View field reference →
`issuerInformation.name`	View field reference →
`issuerInformation.phoneNumber`	View field reference →
`paymentAccountInformation.card.brandName`	View field reference →
`paymentAccountInformation.card.brands.brandName`	View field reference →
`paymentAccountInformation.card.brands.type`	View field reference →
`paymentAccountInformation.card.currency`	View field reference →
`paymentAccountInformation.card.maxLength`	View field reference →
`paymentAccountInformation.card.type`	View field reference →
`paymentAccountInformation.features.acceptanceLevel`	View field reference →
`paymentAccountInformation.features.accountFundingSource`	View field reference →
`paymentAccountInformation.features.accountFundingSourceSubType`	View field reference →
`paymentAccountInformation.features.cardPlatform`	View field reference →
`paymentAccountInformation.features.cardProduct`	View field reference →
`paymentAccountInformation.features.comboCard`	View field reference →
`paymentAccountInformation.features.messageType`	View field reference →
`payoutInformation.geoRestrictionIndicator`	View field reference →
`payoutInformation.pullFunds.crossBorderParticipant`	View field reference →
`payoutInformation.pullFunds.domesticParticipant`	View field reference →
`payoutInformation.pushFunds.crossBorderParticipant`	View field reference →
`payoutInformation.pushFunds.domesticParticipant`	View field reference →
`payoutInformation.pushFunds.moneyTransferCrossBorder`	View field reference →
`payoutInformation.pushFunds.moneyTransferDomestic`	View field reference →
`payoutInformation.pushFunds.moneyTransferFastFundsCrossBorder`	View field reference →
`payoutInformation.pushFunds.moneyTransferFastFundsDomestic`	View field reference →
`payoutInformation.pushFunds.nonMoneyTransferCrossBorder`	View field reference →
`payoutInformation.pushFunds.nonMoneyTransferDomestic`	View field reference →
`payoutInformation.pushFunds.nonMoneyTransferFastFundsCrossBorder`	View field reference →
`payoutInformation.pushFunds.nonMoneyTransferFastFundsDomestic`	View field reference →
`payoutInformation.pushFunds.onlineGamblingCrossBorder`	View field reference →
`payoutInformation.pushFunds.onlineGamblingDomestic`	View field reference →
`payoutInformation.pushFunds.onlineGamblingFastFundsCrossBorder`	View field reference →
`payoutInformation.pushFunds.onlineGamblingFastFundsDomestic`	View field reference →
`status`	View field reference →
`submitTimeUtc`	View field reference →

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Last published: September 29, 2026