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Card Intelligence

Turn card data into actionable intelligence. Pick from BIN lookups, name verification, card checks, account updates and more to route smarter, reduce fraud and keep every payment flow running at its best.
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Smarter Decisions
Turn card data into insights that sharpen every routing, fraud and acceptance decision.
Use What Fits
Each service works independently so you take exactly what you need without adopting the full suite.
Know Your Customer
Turn card data into insights that sharpen every routing, fraud and acceptance decision.
No Surprises
Run checks and validations to confirm a stored card is valid and active before you authorize it.
Verify Identity
Confirm the cardholder name at checkout matches issuer records in real time.
Always Current
When anything changes on a card or token, PCI Proxy notifies your systems automatically.
No Compromises
Using PCI Proxy allows us to offer an end-to-end air-tight solution to our clients without compromising on security, scale, and quality.
Yoav Amitay
Technical Lead, Pattern
How it works.
Turn card data into actionable intelligence.
Choose Your Services
Choose the card intelligence services that fit your use case, standalone or combined.
Get Enriched Data
Send us a card number or token and we return a clean, enriched response with all the signals you need, ready to act on.
Make Smarter Decisions
Use the enriched data to route smarter, lift approval rates and personalise flows without adding complexity.
Who we work with.
Route SmarterCheck Cards InstantlyAutomated UpdatesRecognize & PersonalizeVerify Account Names
Route Smarter
Most routing decisions are made without knowing what card is actually in play. PCI Proxy surfaces issuer, scheme, country and card type before processing so you route each transaction to the best PSP, lower interchange costs and lift approval rates, without adding a single step to your flow.
Check Cards Instantly
A failed payment at the wrong moment costs more than the transaction. PCI Proxy lets you validate any stored card or token with a zero-amount check before authorization, catching expired or stolen cards during onboarding, before a scheduled charge or ahead of any transaction.
Automated Card Updates
Recurring payments fail silently when cards expire or get reissued and most customers never come back. PCI Proxy updates credentials automatically behind the scenes so failed charges from outdated card details become a problem you used to have.
Recognize and Personalize
Returning customers notice when a checkout feels generic. PCI Proxy delivers tools so you recognize the same customer across every channel, display the card they expect to see and create a checkout experience that feels like it was built just for them.
Verify Account Names
Mismatched credentials are one of the earliest and cheapest fraud signals available. PCIProxy verifies the cardholder name against issuer records in real time so you catch account takeover attempts, unauthorized card use and identity mismatches before a single transaction is authorized.
Meet the Suite.
Fully composable
payments solutions
Token Vault
Collect, store & use payment data.
Network Tokens
Provision smarter tokens that lift auth rates, reduce fraud and update automatically.
Payment Gateway
Use one unified integration to orchestrate payments across 25+ card acquirers.
Launching this week
Card Intelligence
Transform tokens into insights that shapren routing, fraud and acceptance decisions.
FAQ:
Do you fetch card insights in real-time?
Yes. All card intelligence services run in real time so your team always has
what they need before the transaction moves.
What is Account Name Verification and why do I need it?
It checks whether the cardholder name you hold matches what the issuer
has on file. Useful for catching fraud early, meeting KYC and AML requirements,
verifying payout recipients and adding confidence to high-value transactions.
Which card brands support Account Name Verification?
Visa and Mastercard today, with more schemes being added as support
becomes available.
What is Credit Card Check and how does it protect against fraud?
A zero-amount authorization that tells you whether a stored card is valid, expired
or stolen without ever appearing on the cardholder statement. Run it during
onboarding, before a subscription renewal or before a guest arrives at the hotel.
Can I use your Card Insight solution without using other PCI Proxy products?
Yes, completely. Every card intelligence service works standalone so you take
exactly what you need without adopting anything else.
What information does BIN Lookup provide?
Card brand and co-brand, type, usage, country, issuing bank and whether the
card is a PAN or token (including network tokens, C2P tokens and device tokens).
Easy, quick and without risk.
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