# Card Attributes

The VGS Card Attributes Service offers a robust and dynamic direct-to-network BIN (Bank Identification Number) database. Unlike standard, static BIN lookups, this service provides continuously updated and comprehensive card insights directly from the card networks. This empowers our clients with an unparalleled understanding of their customers and the intricate makeup of their payment cards. We continue to expand our data sources to ensure clients have access to the most up-to-date card information.

By providing deep visibility into card behavior, including issuer details, card type (credit, debit, prepaid), funding source, regional information, and recurring payment support, the VGS Card Attributes Service enables businesses to make exceptionally swift and informed decisions. This critical intelligence allows them to:

* **Optimize Payment Routing:** Intelligently direct transactions to the most efficient and cost-effective networks, leading to higher authorization rates and reduced processing fees.
* **Strengthen Fraud Prevention:** Leverage enriched card data to identify and mitigate potential fraud risks more accurately, by cross-referencing card attributes with transaction patterns and user behavior.
* **Enhance Customer Experience:** Streamline the checkout process by pre-populating fields, offer tailored promotions based on card benefits, and proactively manage subscription payments by identifying non-reloadable cards.
* **Ensure Regulatory Compliance:** Easily adhere to evolving payment regulations and regional mandates by having accurate and up-to-date card information at their fingertips.
* **Drive Business Growth:** Uncover valuable insights into customer spending habits and preferences, enabling more effective marketing strategies, loyalty programs, and product development.

In essence, the VGS Card Attributes Service offer a powerful, real-time intelligence layer that transforms raw card information into actionable insights, ultimately helping businesses protect their operations and unlock new avenues for growth.

#### Card Attributes via CMP <a href="#card-attributes-via-cmp" id="card-attributes-via-cmp"></a>

The Card Attributes service supports Visa, Mastercard, Discover and Amex cards and other additional networks. Enhanced card attributes will be visible in Create Card and GET Card API responses.

Clients will have to sign up to get comprehensive attributes by enabling attributes through account settings in CMP, or by contacting customer support **`(support@vgs.io)`**. These comprehensive attributes will also be visible in the Create Card and GET Card API responses.&#x20;

The Card Attributes service also supports `PAN` and `DPAN` BIN lookup. For DPAN, the data will be provided if available in our database.&#x20;

**The comprehensive list of attributes and their definition**

| **Field Name**           | **Description**                                                                                                                                         | **Attributes Type** |
| ------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------- |
| `card_number_length`     | The number of digits in the card number.                                                                                                                | Enriched            |
| `card_brand`             | The name of the card brand, such as MasterCard, Visa                                                                                                    | Basic               |
| `card_type`              | The category of the card, like a credit, debit, or charge card.                                                                                         | Basic               |
| `card_segment_type`      | A classification that helps identify the cardholder's spending habits or income level, such as "PERSONAL."                                              | Enriched            |
| `virtual_card`           | Indicates whether the card is a digital-only card without a physical plastic version.                                                                   | Enriched            |
| `prepaid_card`           | Specifies if the card is a prepaid card, which is loaded with funds beforehand and isn't linked to a bank account.                                      | Enriched            |
| `product_name`           | The specific name of the card product, like "Visa Signature."                                                                                           | Enriched            |
| `issuer_bin`             | The Bank Identification Number (BIN), which is the first 8 digits of a card number that identifies the issuing institution.                             | Enriched            |
| `country_name`           | The full name of the country where the card was issued (e.g., "UNITED STATES").                                                                         | Enriched            |
| `country_numeric`        | The three-digit numeric code for the country (e.g., 840 for the United States).                                                                         | Enriched            |
| `reloadable`             | Indicates whether the prepaid card can be reloaded with additional funds.                                                                               | Enriched            |
| `hsa`                    | Indicates if the card is a Health Savings Account (HSA) card. This allows you to pay for eligible medical expenses with pre-tax money.                  | Enriched            |
| `fsa`                    | Specifies if the card is a Flexible Spending Account (FSA) card, which is similar to an HSA but has different rules for fund rollovers and eligibility. | Enriched            |
| `ebt`                    | Indicates if the card is an Electronic Benefits Transfer (EBT) card, used to deliver government benefits.                                               | Enriched            |
| `issuer_name`            | The name of the financial institution that issued the card.                                                                                             | Enriched            |
| `issuer_phone_number`    | The phone number for the card issuer's customer service.                                                                                                | Enriched            |
| `issuer_website`         | The website for the card issuer.                                                                                                                        | Enriched            |
| `additional_card_brands` | The name of the card brand, such as BANCONTACT                                                                                                          | Enriched            |
| `regulated`              | Indicates the regulatory status of the card, such as "NONREGULATED".                                                                                    | Enriched            |
