Root Cause

• Obsolete BINs: The card issuer updated their BIN ranges, and older cards are no longer valid.

• Bank mergers or rebranding: Changes at the issuer level can render previously valid BINs invalid.

• Expired or deactivated cards: Cards tied to old BINs may be phased out as part of security or operational updates.

• Incorrect card information: The card number entered does not correspond to a valid BIN recognized by the payment network.

Troubleshooting and Solutions

• Inform the customer that their card's Bank Identification Number (BIN) is no longer valid.

• Ask the customer to:

  • Contact their card issuer to confirm the validity of their card.

  • Request a replacement card if necessary.

  • Update their payment information with a valid card number.

• Retry the transaction only after the customer updates their payment method with a new, valid card.