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  • About Credit Card Validation Tool:

    The Free Online Credit Card Validator checks if the credit card is valid or invalid. Enter the credit card number. Click on the "Validate Now" button to validate a credit card.

    What is credit card validation?

    The credit card number, also known as PAN (Primary Account Number), is the long number embossed in the front of your credit card. The number contains essential information strategically organized and internationally standardized. That information includes the cardholder's name, security code, account number, issuing bank name, and expiration date.

    Credit card validation is the process of validating the genuineness of a credit card. That process gains importance as monetary affairs become sensitive.

    The credit card number is generated under specific protocols and rules. It gives a merchant a facility to validate the credit card number before accepting a customer's payment.

    There is a wide range of algorithms created by several finance companies to validate a credit card. The practical use of these algorithms will allow you to validate whether the credit card is genuine or not.

    The online credit card validator gives you the room to validate the credit card at any time, at any place, where you have internet access, in a split of seconds.

    How can a credit card validator help in validating a credit card number?

    The online credit card validator assists you in validating a credit card in real-time. You can get the following information from the credit card validator tool.

    1. Major industry identifier (MII): Your credit card's first primary number is MII (Major Industry Identifier or Main Sector Identifier). That defines the industry in which the card is mainly used. The various MII numbers represent the following categories.
      • 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 the appointment of national standards bodies
    2. BIN/IIN (Bank/Issuer Identification Number) check: The first six digits of the credit card number determine the institution that issued the credit card to the cardholder. The online tool allows you to extract information like your Bank Name, Bank Address etc.
    3. Personal account number check: The online tool provides you an opportunity to verify your account number by entering your credit card number. You may have an idea that from digit seven to the final number minus the last one is your account number.
    4. Luhn Algorithm Check: The online tool uses the Luhn algorithm to validate the credit card number, also known as the MOD 10 algorithm. It's a formula that scientist Hans Peter Luhn develops from IBM.

      To teach how that algorithm manually works, let's do an example.

      Suppose we have a credit card number 347609692102916, and we want to check if it's a valid credit card number or not.

      • Take the last digit 6. That is our check digit.
      • Take the rest of the sequence 34760969210291.
      • Double every other digit starting from the right 3,8,7,12,0,18,6,18,2,2,0,4,9,2.
      • Sum the digits of the products 12 = 1 + 2 = 3, same with 18 that gives you 9.
      • Add all the digits together 3+8+7+3+0+9+6+9+2+2+0+4+9+2 = 64.
      • Multiply the result by 9, 64 * 9 = 576.
      • Take the last digit of the result 6. If this matches the check digit, then we have a valid sequence.
      • Since our check digit 6 matches our result 6, we conclude that this sequence is a valid credit card number.
    5. Credit card prefix numbers check: Each credit card issuer has a varying credit card number length, usually 13, 14, 15, or 16 digits, and some even have 19 digits. The following list will help you in understanding the length of various cards.
      • AMEX: start with 34 or 37 and has 15 numbers.
      • Diners: start with 300, 301, 302, 303, 36, or 38 and has 15 numbers.
      • Discover: start with 6011 and has 16 numbers.
      • Enroute: start with 2014 or 2149 and has 16 numbers.
      • JCB 15: start with 2100 or 1800 and has 16 numbers.
      • JCB 16: start with 3088, 3096, 3112, 3158, 3337 or 3528 and has 16 numbers.
      • MasterCard: start with 51, 52, 53, 54, or 55 and has 16 numbers.
      • Visa: start with 4539, 4556, 4916, 4532, 4929, 40240071, 4485, 4716 or 4 and has 13 or 16 numbers.
      • Voyager: start with 8699 and has 13 or 16 numbers.

    How to use a credit card validator to validate a credit card number?

    The online credit card validator offered by DNS Checker does not ask for any premium version or registration. You can use our online tool anywhere without paying a single penny as long as you have internet access. You do not need to download any software on your device to use it freely. Moreover, this online tool supports all platforms; you can easily use it from Android, iOS, Windows, Linux, etc.

    To use a credit card validator, perform the following steps.

    • Open the Credit Card Validator.
    • Enter the "Credit Card Number" in the section provided for that purpose.
    • Click on the "Validate Now" button.
    • The tool validates whether the credit card is genuine or not.

    More online productivity tools are also available.

    Frequently Asked Questions (FAQs)

    Is there is any risk of using an online credit card validator?

    Monetary matters are always important and become more sensitive if managed by some online tools. But, there is NO such risk associated with our tool. We do not save any of your personal information. All the calculations are made in your browser. So your data remains secure with you.

    Do we keep these credit card numbers?

    Protecting user trust is our main priority. We do not keep any credit card number put for validation in our credit card or cc checker. Our credit card validator only validates the credit card number by using some standardized validation protocols.

    Is there is any alternative method other than Luhn Algorithm to validate the credit card number manually?

    There is another method, and it's simple to use.

    Suppose we have a credit card number 347609692102916, and we want to check whether it's an actual credit card number or not.

    • Double every second digit, from the rightmost 3,8,7,12,0,18,6,18,2,2,0,4,9,2,6.
    • Sum the digits of the products 12 = 1 + 2 = 3, same with 18 that gives you 9.
    • Add all the digits together 3+8+7+3+0+9+6+9+2+2+0+4+9+2+6 = 70.
    • If the sum is a multiple of 10, the credit card number is valid.

    What are some safety tips that we can use to protect our credit card and PIN?

    The following points are not limited to credit cards. You can apply to all the institutional cards that you can use for financial transactions.

    • Sign your credit card as soon as you receive it.
    • Take care of your credit card like your cash currency.
    • Protect your PIN. Memorize it. Never write it down.
    • Always receive back your credit card from the salesperson or the waiter whenever you use it.
    • Shred receipts containing your account information, especially when you do not need it.
    • Frequently review your account statement to make sure it includes all transactions of yours.
    • Make the list of your credit card numbers and customer support numbers in your phonebook so that you can immediately contact them in case of any emergency.
    • Consider filing a police report in case of any theft.
    • Do not use the public wireless connection for financial transactions.
    • While making an online purchase, prefer the brand's website or purchase from a well-known online store like Amazon or Alibaba.