July 14, 2024
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Knowledge Base
Definitive answers from Marqeta experts

Knowledge Base Articles

At what utilization do we consider a BIN range to be full?

For most programs, the threshold for swapping to a new BIN range is 95% utilization. However, based on the PAN burn rate and timing, the decision to swap can be made as low as at ~90%. A warning is sent out before the 95% threshold is reached to ens...

How are card numbers determined?

We sometimes get questions about how a card number (PAN) is chosen when creating cards. Here are a few details: As part of card creation, a PAN is randomly generated within a program’s assigned BIN range. If that PAN is unavailable for any reason, a...

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