PAN

The 13- to 19-digit number printed on a card and encoded in its magnetic stripe and chip. The first 6-8 digits are the BIN/IIN; the last digit is the Luhn check digit. Storage of PAN is heavily regulated under PCI DSS, most merchants tokenize to avoid scope.

In practice.

The PAN is the card number itself, and storing it is what drags systems into full PCI DSS scope. The modern pattern is to never touch it: tokenize at the edge through your gateway and let certified infrastructure hold the real number. BZNpay sees descoped architectures close placements faster, because acquirers ask about PAN handling early.

Related terms: BIN · IIN · Tokenization · PCI DSS