Credit Card Validation Guide

Credit Card Validation Methods

Credit card validation is crucial for preventing fraud and ensuring payment processing accuracy. This guide covers the most important validation techniques.

Luhn Algorithm

The Luhn algorithm is the primary method for validating credit card numbers:

• Starting from the rightmost digit, double every second digit
• If doubling results in a two-digit number, add the digits together
• Sum all the digits
• If the total is divisible by 10, the number is valid

Format Validation

Beyond the Luhn check, validate:

• Length (13-19 digits depending on card type)
• Starting digits match card brand patterns
• Only numeric characters

Real-Time Validation

Our validation tool performs:

• Luhn algorithm verification
• Format and length checks
• BIN range validation
• Brand identification