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Microsoft, Google, and many other large companies are not simply performing BIN or IIN lookups by grabbing the first six to eight digits. Instead, they use full card verification called PAN verification. This method is much more reliable because it examines the entire card number and also the CID, such as the CVV or CVC. To perform this, however, you would need to be PCI-DSS Level 1 compliant, essentially operating as a payment processor.
Many smaller and mid-sized companies rely on BIN lookup services like binSearchLookup .com to identify a BIN or IIN and decide whether to block a card. These solutions can be useful, but they are not as accurate or effective as full PAN verification.

Microsoft, Google, and many other large companies are not simply performing BIN or IIN lookups by grabbing the first six to eight digits. Instead, they use full card verification called PAN verification. This method is much more reliable because it examines the entire card number and also the CID, such as the CVV or CVC. To perform this, however, you would need to be PCI-DSS Level 1 compliant, essentially operating as a payment processor.
Many smaller and mid-sized companies rely on BIN lookup services like binSearchLookup .com to identify a BIN or IIN and decide whether to block a card. These solutions can be useful, but they are not as accurate or effective as full PAN verification.