How to use the Credit Card Validator
- Type or paste a card number — spaces and dashes are fine.
- See the brand, whether the length fits that brand and whether the Luhn checksum passes.
- Testing a payment form? Click a test number to use it; payment providers accept these in test mode only.
- Paste a list into Bulk check to validate many numbers at once.
The Luhn algorithm
Almost every payment card number ends with a check digit calculated with the Luhn (mod 10) algorithm. From the right, every second digit is doubled (subtracting 9 if the result is over 9), all digits are added up, and the total must end in 0. It catches most typos — a wrong digit or two swapped neighbors — before a form even contacts the bank.
Card brands by first digits
| Brand | Starts with | Length |
|---|---|---|
| Visa | 4 | 13, 16, 19 |
| Mastercard | 51–55, 2221–2720 | 16 |
| American Express | 34, 37 | 15 |
| Discover | 6011, 644–649, 65 | 16–19 |
| JCB | 3528–3589 | 16–19 |
| Diners Club | 300–305, 36, 38–39 | 14–19 |
| UnionPay | 62 | 16–19 |
| Maestro | 50, 56–58, 6 | 12–19 |
What it can’t tell you
A valid checksum only means the number is well-formed. Whether the card exists, is active or has funds is known only to the issuing bank, through a real payment authorization. Never use real card numbers for testing — use your payment provider’s test numbers.
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Tools that pair well with the Credit Card Validator
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- Password Breach Checker — Find out whether a password has appeared in known data breaches — billions of leaked passwords collected by Have I Been Pwned.