Our Credit Card Validator supports all major credit cards validation.
Credit card validator works based on Luhn's algorithm and it can be used to validate different credit card types like Master, Visa and, American Express etc.
Our Credit Card Validator tool validates the credit card number and gives you the information like Bank Identification Number (IIN), Customer or account identifier, Credit card network name etc.
Credit card issuers follow certain standards set by the International Organization for Standardization (ISO) to generate the credit cards. These standards specifies the use of a certain algorithm to generate the credit card number, length, and the format of BIN/IIN numbers along with the usage of check digit.
Credit card providers follows specific algorithm, called Luhn’s algorithm or Modulus 10 algorithm for creating real credit card numbers. Here are the general guidelines almost every card issuer follows -
Usually, any credit card number can be divided into 3 parts - IIN number, customer identifier, and the check digit.
Since everyone follows Luhn’s algorithm to generate cards, we can use the same to validate credit card numbers as well. Here are the steps to validate credit card using Luhn’s algorithm.
For example, we want to validate whether 4111 1111 1111 1111 is valid credit card number or not.
Step 1: Starting from the right most digit of the card number, double every second digit. If doubling results in two digit number, add those two digits to get one digit. 4111 1111 1111 1111 8 1 2 1 2 1 2 1 2 1 2 1 2 1 2 1 2
Step 2: Now, add up all the digits. 8 + 1 + 2 + 1 + 2 + 1 + 2 + 1 + 2 + 1 + 2 + 1 + 2 + 1 + 2 + 1 + 2 = 30
Step 3: Check if the sum is divisible by 10. 30%10 = 0
If the reminder is zero, then the credit card number is valid as per the Luhn’s algorithm.
This credit card validator is just a simple process the validate the number, However, it is not guaranteed that every credit card validated with this, works fine. There are additional aspects to this like valid CVV, expiry date and authentication process to ensure it is working one.
[ Please note that, even though Luhn’s algorithm is a standard formula most of the major credit card network follows, but it is not a mandatory one. Individual card providers may choose to use different set of algorithms to generate credit card numbers. So for any specific validations, it’s a good idea to check with the card issuers ]