Getting started

Before you begin

FINAP is a single JSON API for payment intelligence, identity signals, exchange rates, IBAN validation, and webhook testing. Every service uses the same API key and account balance.

Create an account in the FINAP dashboard, then generate an API key from API Keys. New keys start with fn_ and are shown once.

Make a request

Send the key as a Bearer token. This BIN lookup is small enough to run as a smoke test and returns issuer, network, funding type, and country data.

curl https://api.finap.uk/api/v1/bin \
  -X POST \
  -H "Authorization: Bearer $FINAP_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bin":"424242"}'

Read the response

Successful responses are JSON. Nullable fields mean the upstream source did not have that detail; they are not transport errors.

{
  "bin": "424242",
  "scheme": "visa",
  "type": "credit",
  "category": "classic",
  "luhnStatus": "valid",
  "issuer": "JPMorgan Chase Bank",
  "country": {
    "code": "US",
    "name": "United States"
  },
  "durationMs": 126
}

Where to go next

1. 01

   Keep the key server-side

   Load it from an environment variable and never commit it to source control.

2. 02

   Choose a service

   Each endpoint page contains validation rules, full field definitions, and copy-ready examples.

3. 03

   Handle failures explicitly

   Treat authentication, balance, validation, and upstream failures as separate states.