Overview
Send the first six to eight digits of a card as the bin parameter. The API resolves the BIN against payment card records and returns the card network, card type, issuing bank name and issuing country, plus the number rules for that scheme: valid card lengths, whether the Luhn check applies, and the security code name and size. Paid plans add the card category, the issuer phone and website where the bank has published them, ISO alpha-2, alpha-3 and numeric country codes, the country currency and flag, and coordinates.
Formula
One function covers the whole catalog: the first argument names the source, the rest are its inputs, and the "field" pair says which single value lands in the cell. Formulas covers the grammar that applies to all of them.
=VERVE("binlookup", A2, "field", "brand")=VERVE.CALL("binlookup", A2, "field", "brand")A2 holds the bin you are looking up. Drag the formula down and each row resolves on its own.
With literal values
Nothing has to come from a cell — typed values work the same way.
=VERVE("binlookup", 448590, "field", "brand")=VERVE.CALL("binlookup", 448590, "field", "brand")Inputs
Required inputs are positional, in the order below. Everything else is passed as a "name", value pair after them — the same shape as SUMIFS. Premium inputs are accepted on every plan but only take effect on plans that include them.
| Input | Type | Where it goes | Description |
|---|---|---|---|
binRequired | string | argument 2 (A2) | The first six digits of the credit card number (BIN) length 6–8 |
What lands in your sheet
The "field" pair is what makes the formula resolve to one cell. Its value is a dot-path from the table below, so swapping it is how you pull a different value — one formula per column.
Seeing everything at once
Drop the "field" pair and the formula returns the whole response instead: two columns, field name on the left and value on the right, spilling from the cell you typed in.
=VERVE("binlookup", A2)=VERVE.CALL("binlookup", A2)The second row's table would land on top of the first's, and every cell after the first reads #REF! (#SPILL! in Excel). Keep one per sheet, or name a field, and leave the cells below and to the right empty.
Response fields
Paths are relative to data. Each one is exactly what the "field" pair accepts, so swapping it is how you pull a different value into a cell. On a plan without a Premium field the cell reads #PREMIUM(field) rather than a value, so a locked field never looks like a real answer.
| Use as "field" | Type | Example cell value | Description |
|---|---|---|---|
bin | string | 448590 | The BIN number provided in the request |
brand | string | VISA | Card brand (VISA, Mastercard, American Express, etc.) |
type | string | CREDIT | Card type (CREDIT or DEBIT) |
categoryPremium | string | PURCHASING | Card category (PURCHASING, TRAVEL, etc.) |
country | string | United States | Country where card was issued |
issuer | object | {…} | The issuing bank: name, country, phone and website |
issuer.name | string | JPMORGAN CHASE BANK, N.A. | Full name of the issuing bank |
issuer.countryPremium | string | United States | Country where issuer is located |
issuer.phonePremium | string | 1-800-432-3117 | Contact phone number of the issuer |
issuer.websitePremium | string | www.chase.com | Official website URL of the issuer |
location | object | {…} | Issuing country coordinates and ISO codes |
location.latitudePremium | string | 37.0902 | Latitude coordinate of issuer location |
location.longitudePremium | string | -95.7129 | Longitude coordinate of issuer location |
location.alpha2Premium | string | US | Two-letter ISO country code of location |
location.alpha3Premium | string | USA | Three-letter ISO country code of location |
location.numericPremium | string | 840 | ISO 3166-1 numeric code of the issuing country (e.g. 208 for Denmark) |
location.currencyPremium | string | USD | ISO 4217 code of the issuing country's currency (e.g. DKK), or null when the country uses more than one |
location.currenciesPremium | array | ["USD"] | Every ISO 4217 currency code in use in the issuing country |
location.flagPremium | string | 🇺🇸 | Flag emoji of the issuing country |
number | object | {…} | Card number rules for the scheme this BIN belongs to, or nulls if the prefix matches no single scheme |
number.scheme | string | visa | Machine-readable scheme id matched from the BIN prefix (visa, mastercard, american-express, discover, jcb, unionpay, etc.) |
number.lengths | array | [16,18,19] | Valid card number lengths for the scheme, in digits (e.g. [16, 18, 19] for Visa) |
number.luhn | boolean | true | Whether card numbers in this scheme are checked with the Luhn checksum (false for UnionPay, where it is not guaranteed) |
number.code | object | {…} | Security code the scheme uses |
number.code.name | string | CVV | Name of the security code (CVV, CVC, CID, etc.) |
number.code.size | number | 3 | Number of digits in the security code |
Filling a whole column
Both platforms make one batched call for a column rather than one request per cell, and both cost the same — 10 credits per row looked up. How you write it differs, because the two runtimes batch at different points.
=VERVE("binlookup", A2:A100, "field", "brand")In Google Sheets, give the arguments ranges and the answers spill down from the cell you typed in. Custom functions there run synchronously and in isolation, so dragged cells cannot be coalesced — the range form is how a column becomes one call. The "field" pair is required here: a per-row two-column table has nowhere to spill. Use a full column per input (A2:A100, not A2) — a single-cell reference is read as row 1 only and the rest of the column comes back blank.
In Excel, type the formula once and fill down — no range form and none needed, because its runtime is asynchronous and the add-in coalesces the calls a fill produces into a single batched request. Do not hand VERVE.CALL a range: Excel flattens it into positional arguments, so A2:A100 arrives as a hundred separate arguments and the cell reads #ERR rather than filling.
Either way, column A holds your bin values and the answers land beside them, one row each, blank rows skipped.
When a cell doesn't fill
A failed lookup returns readable text starting with #ERR rather than a spreadsheet error, because Excel cannot show a custom message on a real error — you would get a bare #VALUE! with no reason. The trade-off is that IFERROR() will not catch it; test with LEFT(cell, 4) = "#ERR" instead. Error handling covers the rest.
| Cell reads | What happened |
|---|---|
#ERR Not connected | No API key saved. Open the side panel and connect your account. |
#ERR Replace <name> with a cell or value | A preview formula was copied as-is. Swap the placeholder for a cell reference. |
#ERR No "x" in binlookup | An option name this source does not take. The message lists the ones it does. |
#ERR No data point "…" | The "field" path is not in the response. Check it against the table above. |
#PREMIUM(field) | The field exists but your plan does not include it. |
#ERR Out of credits | The cycle's credits are spent. Usage resets on your billing date. |
Before the formula works
The add-in reads the API key you saved once in the side panel — the key never goes in the formula, so a shared sheet does not leak it and a collaborator without access simply sees the last calculated values.
- Install the add-in for Google Sheets or Excel.
- Open the side panel and sign in, or paste a key from your dashboard.
- Type the formula above into any cell.
Use cases
- Checkout Brand Detection
- Display the matching Visa or Mastercard logo automatically when customers type the first six digits into your checkout form.
- Debit vs Credit Routing
- Apply different fees, limits or review rules to debit and credit cards before you run the authorization.
- Debit Fee Optimization
- Route transactions through lower-cost debit payment rails whenever the lookup confirms an incoming debit card.
- Billing Country Mismatch
- Flag suspicious orders for manual review if the card issuing country does not match the customer billing address.
Other ways to use BIN Lookup
Set up BIN Lookup on VerveSheets, or reach the same source a different way. Your VerveSheets account and credits work on all of them — one key, one balance.
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