BIN Lookup Skill

Overview

Send the first six digits of any debit, credit, or prepaid card as the BIN parameter. The API resolves the number against payment card records and returns the card network, card type, issuing bank name, and issuing country. Paid plans add the issuer website, phone number, card category, and ISO country codes with coordinates.

Live Test BIN Lookup Skill Skill →

The tool

Once your client is connected to the VerveKit server, this appears in its tool list as BINLookupSkill. It is read-only and open-world — it fetches and never mutates anything on your side — so most clients call it without asking you to confirm.

{
  "name": "BINLookupSkill",
  "arguments": {
    "bin": "448590"
  }
}

You do not name the tool yourself; the model picks it. Asking about 448590 in the terms this skill covers is enough for it to reach for BINLookupSkill on its own — naming it explicitly also works, and is the way to force the call.

Connecting

One server URL covers every skill in the catalog, including this one. Authorization is OAuth: the client opens a browser once, and there is no key to paste into a config file.

{
  "mcpServers": {
    "vervekit": {
      "url": "https://api.vervekit.com/v1/mcp"
    }
  }
}

https://api.vervekit.com/v1/mcp

Per-client setup — Claude, Cursor, VS Code, ChatGPT — is on the MCP setup page.

Arguments

These are the properties on the tool's inputSchema, so a well-behaved client validates them before the call is made. Premium arguments are accepted on every plan but only take effect on plans that include them.

What the model gets back

The result carries a structuredContent object matching the tool's declared outputSchema, so a client reads fields without parsing prose. status is "ok" and error is null on success; a null field means the value was not available for that input, not that the call failed.

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

{
  "status": "ok",
  "error": null,
  "data": {
    "bin": "448590",
    "brand": "VISA",
    "type": "CREDIT",
    "category": "PURCHASING",
    "country": "United States",
    "issuer": {
      "name": "JPMORGAN CHASE BANK, N.A.",
      "country": "United States",
      "phone": "1-800-432-3117",
      "website": "www.chase.com"
    },
    "location": {
      "latitude": "37.0902",
      "longitude": "-95.7129",
      "alpha2": "US",
      "alpha3": "USA"
    }
  }
}

Response fields

Paths are relative to data. Premium fields are absent rather than zeroed on plans that do not include them, so check for presence instead of comparing to 0.

Failure modes

Errors come back as tool errors carrying a sentence the model can act on, not a bare status code. Error handling covers the full list.

A call costs 10 credits each time the tool actually runs; a model that reasons about the tool without calling it costs nothing.

Use cases

Checkout Brand Detection

Display the matching Visa or Mastercard logo automatically when customers type the first six digits into your checkout form.

Prepaid Card Blocking

Reject or flag trial signups that supply prepaid cards before running an authorization charge.

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 Skill

Set up BIN Lookup Skill on VerveKit, or reach the same source a different way. Your VerveKit account and credits work on all of them — one key, one balance.

Related

More in Finance: