> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pikabao.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# 获取可用BIN

> 获取当前可用的信用卡 BIN（Bank Identification Number）列表及费率信息

## 请求参数

<ParamField query="appid" type="string" required>
  用户标识
</ParamField>

<ParamField query="timestamp" type="string" required>
  当前时间戳（毫秒）
</ParamField>

<ParamField query="sign" type="string" required>
  签名值
</ParamField>

## 响应

<ResponseField name="code" type="integer">
  响应代码
</ResponseField>

<ResponseField name="msg" type="string">
  响应消息
</ResponseField>

<ResponseField name="content" type="array">
  可用 BIN 列表

  <Expandable title="content 数组项">
    <ResponseField name="id" type="string">
      BIN ID
    </ResponseField>

    <ResponseField name="bin" type="string">
      卡号前缀（BIN 码）
    </ResponseField>

    <ResponseField name="cr" type="string">
      发卡国家
    </ResponseField>

    <ResponseField name="organization" type="string">
      卡组织（VISA, MASTERCARD）
    </ResponseField>

    <ResponseField name="actualOpenCardPrice" type="string">
      开卡费用
    </ResponseField>

    <ResponseField name="actualRechargeFeeRate" type="string">
      充值费率（百分比）
    </ResponseField>

    <ResponseField name="enable" type="boolean">
      是否可用
    </ResponseField>

    <ResponseField name="description" type="string">
      描述信息
    </ResponseField>
  </Expandable>
</ResponseField>

<RequestExample>
  ```bash cURL theme={null}
  curl --location 'https://kf.pikabao.cc/agent/v1/cards/bins?appid=user123&timestamp=1640995200000&sign=ABC123...'
  ```

  ```javascript JavaScript theme={null}
  const params = {
    appid: "user123",
    timestamp: Date.now().toString(),
  };

  const sign = generateSign(params, secretKey);

  const response = await fetch(
    `https://kf.pikabao.cc/agent/v1/cards/bins?${new URLSearchParams({...params, sign})}`
  );
  const bins = await response.json();
  ```
</RequestExample>

<ResponseExample>
  ```json 成功响应 theme={null}
  {
    "code": 0,
    "msg": "成功",
    "content": [
      {
        "id": "240820174023000001",
        "bin": "491090",
        "cr": "美国",
        "organization": "VISA",
        "actualOpenCardPrice": "2.00",
        "actualRechargeFeeRate": "3.00%",
        "enable": true,
        "description": "美国 VISA 虚拟卡"
      },
      {
        "id": "240820174023000002",
        "bin": "554866",
        "cr": "美国",
        "organization": "MASTERCARD",
        "actualOpenCardPrice": "2.00",
        "actualRechargeFeeRate": "3.00%",
        "enable": true,
        "description": "美国 MasterCard 虚拟卡"
      }
    ]
  }
  ```
</ResponseExample>

## 使用说明

<Note>
  开卡前建议先调用此接口获取可用的 BIN 列表和费率信息，然后选择合适的 BIN 进行开卡
</Note>

### 费率计算示例

如果选择 BIN `491090`：

* 开卡费：\$2.00
* 充值 $100，手续费：$100 × 3% = \$3.00
* 实际扣费：$100 + $3.00 + $2.00 = $105.00