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Ward No.1, Nehuta, P.O - Kusha, P.S - Dobhi, Gaya, Bihar, India, 824220To use Card Validator, Paste card no in the given input box below and click on validate credit card button.
ToolsPivot's Credit Card Validator instantly verifies whether credit or debit card numbers follow proper formatting rules and pass the industry-standard Luhn algorithm check. E-commerce developers waste hours debugging payment failures caused by incorrectly entered card numbers—this tool catches format errors before they reach your payment gateway. Merchants, QA testers, and financial application developers use it to validate card structure, identify the issuing network, and retrieve BIN information without processing real transactions.
The Credit Card Validator analyzes card numbers using the Luhn algorithm (also called the Mod 10 algorithm) to determine structural validity. Enter any 13-19 digit card number, and ToolsPivot returns validation status, card network identification (Visa, Mastercard, American Express, Discover, JCB, Diners Club), issuing bank details, country of origin, and BIN/IIN breakdown. The tool processes validation entirely client-side, ensuring card numbers never transmit to external servers.
Payment gateway developers rely on this validator during integration testing to ensure their systems correctly handle various card formats. E-commerce merchants use it to pre-screen customer entries before authorization requests, reducing declined transaction rates. QA engineers validate test card numbers across different networks, while fraud prevention teams verify BIN data matches expected geographic regions.
Manually validating card numbers requires understanding Luhn mathematics, BIN databases, and network-specific formatting rules—knowledge most users lack. The Credit Card Validator automates these checks instantly, transforming a complex technical process into a single-click verification that returns comprehensive card information within seconds.
Instant Luhn Validation Verify card number validity in under one second using the same checksum algorithm financial institutions employ.
Card Network Detection Automatically identify whether a card belongs to Visa, Mastercard, American Express, Discover, JCB, or Diners Club based on prefix patterns.
BIN/IIN Information Retrieval Extract the first 6-8 digits to reveal issuing bank name, card type (credit/debit), and country of origin.
Zero Data Storage All validation occurs in your browser—card numbers never transmit to ToolsPivot servers, ensuring complete privacy.
Major Industry Identifier (MII) Analysis Determine the card's industry category (banking, petroleum, travel) from the first digit.
Input Error Detection Catch typos and transposition errors before they cause payment gateway rejections or failed API calls.
Developer-Friendly Output Receive structured validation results suitable for integration testing, documentation, and debugging workflows.
Multi-Network Support Validate cards from all major payment networks with network-specific length and prefix verification.
Luhn Algorithm Check Applies the Mod 10 checksum formula to verify the mathematical validity of any card number sequence.
Automatic Card Type Recognition Detects Visa (starts with 4), Mastercard (51-55, 2221-2720), Amex (34, 37), Discover (6011, 644-649, 65), JCB (3528-3589), and Diners Club (300-305, 36, 54).
BIN Database Lookup Cross-references the Bank Identification Number against comprehensive issuer databases to retrieve bank and country data.
Length Validation Confirms card numbers meet network-specific length requirements—15 digits for Amex, 16 for most others, up to 19 for some Visa cards.
PAN Structure Analysis Breaks down the Primary Account Number into MII, IIN, individual account identifier, and check digit components.
Real-Time Processing Returns validation results instantly without page reloads or server round-trips.
Clean Input Handling Automatically strips spaces, dashes, and other formatting characters users might include when entering numbers.
Checksum Digit Calculation Displays the expected check digit based on Luhn formula, helping identify single-digit errors.
Card Level Identification Distinguishes between standard, gold, platinum, and corporate card tiers when BIN data is available.
Batch Validation Support Process multiple card numbers sequentially for QA testing or database cleanup operations.
Enter the credit or debit card number in the input field—spaces and dashes are automatically removed.
Click the Validate button to initiate the verification process.
The tool applies the Luhn algorithm to calculate the checksum and verify mathematical validity.
Card prefix patterns are matched against known network identifiers to determine the issuing brand.
BIN digits are cross-referenced with issuer databases to retrieve bank name, country, and card type.
Results display validation status, network type, issuing bank, country of origin, and detailed BIN breakdown.
Credit Card Validator proves essential whenever you need to verify card number formatting without processing actual payments. Use it during development, testing, or when handling customer inquiries about declined transactions.
Payment Integration Development Verify your checkout flow correctly handles all card formats before going live with real payment processing.
QA Testing Workflows Confirm test card numbers are valid before using them in automated testing suites or manual test cases.
Customer Support Troubleshooting Quickly determine if a customer's reported card number contains format errors causing payment failures.
Fraud Pattern Analysis Check if suspicious transaction card numbers pass basic validity checks or use impossible formats.
Data Migration Validation Verify card numbers in legacy databases remain structurally valid before importing to new payment systems.
Educational Purposes Learn how card numbering systems work, including BIN structures and checksum algorithms.
Form Validation Testing Test your website's front-end card validation logic against known valid and invalid number patterns.
The validator cannot verify card balances, active status, or authenticate transactions—use it strictly for format validation and network identification.
E-Commerce Checkout Testing
Payment Gateway Integration
Fraud Prevention Screening
Database Cleanup Project
Educational Workshop
Credit card numbers follow an international standard (ISO/IEC 7812) that encodes specific information within each digit sequence. The first digit is the Major Industry Identifier (MII), where 4 indicates banking/financial for Visa cards and 5 represents the same category for Mastercard. The first six to eight digits form the Issuer Identification Number (IIN), previously called Bank Identification Number (BIN), which identifies the institution that issued the card.
Following the IIN, the next sequence of digits comprises the individual account identifier assigned by the issuing bank. This section varies in length depending on the card network—typically making up the middle portion of a 16-digit number. The final digit is the check digit, calculated using the Luhn algorithm to verify the entire number's validity.
Understanding this structure helps developers implement proper validation logic and allows fraud analysts to quickly identify potentially invalid card numbers before processing.
Luhn Check Failed The card number's checksum doesn't match the expected value, indicating a typo, transposition error, or completely fabricated number. This is the most common error caught by validators.
Invalid Length Card numbers must meet network-specific length requirements. Visa accepts 13, 16, or 19 digits; Amex requires exactly 15; most others need 16. Numbers outside these ranges fail validation.
Unknown Card Type When the card prefix doesn't match any recognized network pattern, the validator cannot determine the issuing brand. This may indicate a regional card network not in the database or an invalid number.
Invalid Characters Card numbers should contain only digits. Letters, special characters, or formatting beyond spaces and dashes indicate input errors or copy-paste problems.
Complete your payment validation workflow with these complementary ToolsPivot tools:
A credit card validator checks whether a card number follows proper formatting rules and passes the Luhn algorithm checksum. It verifies structural validity without confirming account status, available balance, or transaction authorization.
The Luhn algorithm doubles every second digit from right to left, subtracts 9 from results over 9, then sums all digits. Valid card numbers produce totals divisible by 10.
No. ToolsPivot's Credit Card Validator only checks number formatting and structure. Verifying funds requires contacting the issuing bank through an authorized payment processor.
All validation happens in your browser—numbers never transmit to external servers. However, for maximum security, use this tool only for test numbers or when troubleshooting specific validation questions.
The tool recognizes Visa, Mastercard, American Express, Discover, JCB, Diners Club, Maestro, and UnionPay cards based on their prefix patterns and length requirements.
Common causes include typos, transposed digits, or copy-paste errors introducing hidden characters. Re-enter the number manually without spaces or formatting to test again.
The Bank Identification Number (BIN), also called Issuer Identification Number (IIN), comprises the first 6-8 digits identifying the card-issuing institution and country.
Yes. Developers commonly use card validators alongside test card generators to verify payment integration logic before connecting live payment gateways.
No. Valid formatting only means the number follows mathematical rules. Fraudulent cards can still pass Luhn checks—actual fraud detection requires additional verification methods.
Major Industry Identifier is the first digit indicating the card's industry category: 4 and 5 for banking/financial, 3 for travel/entertainment, 6 for merchandising/banking.
BIN data accuracy depends on database currency. While major issuers are well-documented, newer cards or regional banks may show limited information.
Yes. The Luhn algorithm is an international standard used by card networks worldwide. BIN lookup may provide varying detail levels for different regions.
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