Basics

With Enygma Basics, get the data you need to be compliant and reduce processing costs

Something as simple as understanding what card is being used can largely offset the risks that might arise from the card actually being used.

The information we gather does not simply come from a general list of random Bin numbers but has been digested and analyzed to provide you with AI filtered and selected data to suit your specific needs.

Basics

Enygma Basics gets you the data you need

Enygma was built to be GDPR compliant.
By Design

  • Card Scheme
  • Gather the data you need to verify the card scheme, the issuing bank, the country of origin and whether the card is prepaid or not.

  • Issuing Bank
  • We follow the highest standards in terms of data protection, meaning that we are fully compliant with all local and international data protection laws.

  • IP Address
  • Local licenses sometimes forbid the presence of users from different regions; knowing the card's country of origin can block such occurences.

  • Category Level
  • You can also identify the card category level (Corporate, Gold, Infinite, etc.) which allows you to differentiate corporate and consumer cards.

  • Country of Origin
  • Identifying the card scheme can offset the chargebacks risks coming from certain schemes.

  • Prepaid Card
  • Detecting prepaid card can prove to be an extremely valuable tool to help our parners reduce their fraud levels.

GDPR & Regulations

Enygma uses only non PII data to score our users. Our solutions prioritizes user privacy and is compliant with GDPR and all local data privacy laws.

PSD2 obliges payment service providers to apply so-called “strong customer authentication” (SCA) when a payer initiates an electronic payment transaction. A study concluded that SCA would cost European businesses EUR 57 billion in its first year. PSD2 and SCA requirements could have severe repercussions on the general user experience of your customers, increasing friction and drop-offs, which could also mean additional development costs as well as scheme fees for you to handle.
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