In this episode, Kapil Mokhat is joined by Grace Greenwood and Andy Barker from Pagos for a deep dive into one of the most important and misunderstood topics in payments today: BIN data. As the industry moves from 6-digit to 8-digit BINs, merchants, PSPs, and payments teams are being forced to rethink how they identify cards, manage routing, improve authorization rates, reduce fraud, and control cost. What may sound like a technical back-office issue is actually a major business issue with real impact on approvals, retries, interchange, and the customer experience. 

Kapil, Grace, and Andy break down why so many merchants are still relying on incomplete or outdated BIN data, why that creates risk, and why many providers are not giving merchants the full level of detail they actually need. They also explore how overlapping ranges, white-labeled cards, dual-branded cards, and constantly changing network data have made BIN intelligence far more complex than most people realize. 

The conversation also highlights why keeping BIN data updated is no longer optional. In a world where card data changes constantly, a “set it and forget it” approach can lead to poor decisions around fraud rules, routing logic, and cost estimates. If you work in payments, fraud, merchant acquiring, or payment operations, this episode will help you understand why better BIN intelligence matters more than ever and what is at stake if you get it wrong.