8-digit BINs explained: what the IIN expansion means for card BIN lookups (2026)
The card networks expanded the issuer identifier on a payment card from 6 to 8 digits. For anyone doing BIN/IIN lookups it means a 6-digit prefix is no longer guaranteed to identify a single issuer — you often need 8 digits to disambiguate. Here's the what, the why, and the practical fallout.