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Payment intelligence
Commercial Card Lookup
Identify business, corporate, purchasing and fleet BINs — and understand what that means for your interchange.
What counts as a commercial card
Four product families are issued to businesses rather than individuals. They are separated here because they behave differently at authorisation — a fleet card is routinely declined outside fuel and maintenance categories, while a purchasing card is the one most likely to be asked for line-item data.
Small-business cards. The owner is usually personally liable, so underwriting looks a lot like consumer lending.
Level strings: Business, Prepaid Business, B2b, Small Business
Issued against the company's own credit for larger organisations, with liability sitting on the business.
Level strings: Corporate, Corporate Executive, Prepaid Corporate, Corporate World
P-cards for procurement and supplier payments. These are the products most likely to carry Level 3 line-item data.
Level strings: Purchasing, Corporate Purchasing, Purchasing With Fleet, Prepaid Purchasing
T&E cards for employee travel spend, frequently issued as charge rather than revolving credit.
Level strings: Corporate T&e, Prepaid Corporate T&e, Government Corporate T&e, Prepaid Government Corporate T&e
Fuel and vehicle-maintenance cards, often restricted by merchant category at authorisation.
Level strings: Corporate Fleet, Fleet
What the data shows
- Commercial ranges
- 26,610
- 17.9% of level-tagged BINs
- Issuers
- 6,636
- across 201 countries
- Also a premium tier
- 1,076
- e.g. “Signature Business”
- Funding mix
- credit 56.7%debit 43.3%charge card 0.0%
Top issuers
- American Express US Cars533
- Fiserv Solutions, LLC516
- Bank of America, National Association382
- Wex Bank327
- Jack Henry & Associates279
- Wells Fargo Bank, N.A.248
Virtual-card platforms dominate this list. They issue single-use commercial numbers in bulk, so they hold far more BIN ranges than their transaction share would suggest.
Top countries
- United States11,872
- United Kingdom1,147
- Brazil806
- India641
- France627
- Spain595
Why merchants care
Commercial interchange is higher
Business cards sit in a separate, more expensive interchange band than consumer cards. If your acceptance costs jumped without your mix of schemes changing, a shift toward commercial BINs is a common cause.
Level 2 and Level 3 data can reduce it
Passing tax amount and customer code (Level 2), or full line-item detail (Level 3), can qualify a commercial transaction for a lower rate. Detecting the commercial BIN at checkout is what tells you to collect those fields in the first place.
B2B flows behave differently
Commercial cards carry higher limits and are more likely to be single-use virtual numbers. Fraud rules tuned on consumer behaviour will misread both, so knowing the BIN is commercial is worth feeding into your risk model rather than just your pricing.
What this cannot tell you
Commercial status comes from the issuer's own level tag on the BIN range. 16,457 of 165,077 indexed BINs (10.0%) carry no level at all, and those cannot be classified in either direction — the absence of a commercial tag is not evidence of a consumer card. For a binding answer at authorisation time, read the product identifier your acquirer returns.
Related tools
Frequently asked questions
How can I tell if a card is a business card from the BIN?
The issuer tags each BIN range with a product level. Where that level names a commercial product — Business, Corporate, Purchasing or Fleet — the card is business-issued. About 17.9% of level-tagged BIN ranges in this dataset are commercial. A BIN with no level recorded cannot be classified either way.
Why do commercial cards cost merchants more to accept?
Commercial interchange sits above consumer interchange because business cards carry higher limits, longer settlement terms and richer rewards. Merchants can often claw some of that back by passing Level 2 and Level 3 data with the authorisation.
Is a purchasing card the same as a corporate card?
No. A corporate card is issued to a named employee for general spend. A purchasing card (P-card) is issued to a procurement function for supplier payments, is usually restricted by merchant category, and is the product most likely to require Level 3 line-item data.
Does a commercial BIN mean the cardholder is a business?
It means the product was issued to a business. Sole traders and freelancers hold commercial cards too, and an employee spending on a corporate card is an individual. Treat it as a signal about the product, not about the legal form of the customer.