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Credit Card Validator is check your card number and specify the type of the card
Verify, Validate, and Check Credit Card Details Online
Authenticate all types of credit card numbers with our advanced online tool. Using robust algorithms, it quickly determines if the credit card number you enter is valid, retrieving relevant details in just a few seconds.
For online businesses, our credit card checker helps streamline payment methods, prevent fraud, reduce chargebacks, and minimize processing errors. Use our tool whenever you need to process and accept online payments to protect your business from potential losses.
The process is simple: if the credit card number does not meet standard criteria, it is flagged as invalid, preventing fraudulent activities before they occur.
Free Access:
Empower your system with our free credit card checker—no subscription fees required. Anyone can use our tool without limitations.
What Is Credit Card Verification?
Credit card verification ensures the legitimacy of a credit card number, which is crucial as financial transactions increasingly occur online. Credit card numbers are generated following specific protocols and rules. Our online credit card checker uses advanced algorithms to validate a card number without needing to contact the issuing company. You can verify a card anytime and anywhere with an internet connection, all in seconds.
How Does Our Credit Card Validator Work?
To verify if a credit card is valid, follow these steps:
- Open the Credit Card Validator.
- Enter the credit card number in the designated field.
- Click the “Validate Now” button.
- The tool will check if the credit card is genuine.
Our credit card checker uses the advanced Luhn Algorithm to cross-check:
- Luhn Algorithm Check
- Major Industry Identifier (MII)
- Bank Name
- Bank Identification Number (BIN/IIN)
- Primary Account Number (PAN)
- Network/Brand
- Checksum
If the result shows the card number is valid, you can confidently accept transactions. If the card is invalid, request an alternative payment method to prevent fraud.
How to Interpret the Credit Card Validator Results
Understanding these terms will help you interpret the verification report:
- Major Industry Identifier (MII): The first digit of the credit card number, indicating the card issuer’s industry.
0: ISO/TC 68 and other industry duties
1: Airlines
2: Airlines, finance, and other future industry duties
3: Travel and leisure
4: Banking and finance
5: Finance and banking
6: Sales and banking/finance
7: Petroleum and other future industry tasks
8: Healthcare, telecommunications, and other future industry tasks
9: For national standards bodies - Bank Name: The financial institution issuing the credit card.
- Bank Identification Number (BIN/IIN): The six-digit number at the start of the card number that identifies the issuing bank.
- Primary Account Number (PAN): The series of digits making up the card number, excluding MII and BIN, identifying the account.
- Network/Brand: The payment processing network associated with the card, such as Visa, Mastercard, American Express, Discover, etc.
- Checksum: The last digit of the credit card number, used in the Luhn algorithm to validate the entire number’s accuracy.
The Luhn Algorithm verifies if the credit card number is correct. If it fails, our tool will indicate “Your credit card is invalid”; if it passes, it will confirm “Your credit card is valid.”
Benefits of Using Our Credit Card Checker
- Check Multiple Card Types: Validate various card types, including Visa, MasterCard, China Union, Maestro, etc.
- Streamline Payment Processing: Automate and error-proof credit card number validation to ensure smooth transactions and prevent errors and chargebacks.
- Safe to Use: Our tool ensures that your data is secure and confidential, with information removed from our system after verification.
- Free to Use: No cost involved in using our credit card checker. It’s available anytime, anywhere.
How Does the Luhn Algorithm Validate Credit Card Numbers?
The Luhn Algorithm, or MOD 10 algorithm, is used to validate credit card numbers. Developed by Hans Peter Luhn, it involves:
- Doubling every other digit from the right.
- Summing the digits of the results.
- Adding all digits together.
- Multiplying the sum by 9 and checking if the last digit matches the check digit.
For example, with the credit card number 347609692102916:
- The check digit is 6.
- Doubling every other digit gives: 3, 8, 7, 12 (1+2), 0, 18 (1+8), 6, 18 (1+8), 2, 2, 0, 4, 9, 2.
- The sum of the digits is 64.
- 64 multiplied by 9 is 576; the last digit is 6, matching the check digit, indicating validity.
Frequently Asked Questions
What is a credit card number?
The credit card number, or PAN, is a unique identifier on your card, containing information about the cardholder, issuing bank, and more.
Is there an alternative method to Luhn Algorithm?
Yes, another method involves summing digits and checking if the total is a multiple of 10. However, the Luhn Algorithm is the standard.
Do all credit cards have the same prefix and length?
No, different issuers have different formats. For example:
- AMEX: Starts with 34 or 37, 15 digits.
- Visa: Starts with 4, 13 or 16 digits.
What does credit card “live” or “dead” mean?
A “live” credit card is active and usable, while a “dead” card is no longer in use.
Is my credit card safe?
Protect your card by signing it immediately, safeguarding your PIN, shredding receipts, and monitoring your account regularly. Avoid public Wi-Fi for transactions and shop on trusted sites.