Validate credit card numbers against six checkpoints including Luhn algorithm, MII, IIN, length, and BIN checks.
Online Credit Card Validator App
This credit card validator app will check the card number against 6 different checkpoints. The following are the checks the app performs upon a user submitting the card number.
Personal Account Number Check
The personal account number and the checksum digit are extracted from the given credit card number. These two components play a critical role in the structure of a valid card number.
Luhn Algorithm Check
The Luhn algorithm (also known as modulus 10) is a checksum formula used to validate credit card numbers. The steps are:
- Drop the last digit (checksum digit)
- Reverse the remaining digits
- Multiply digits at odd positions by 2
- If the result is greater than 9, subtract 9
- Add all digits together. If total modulo 10 equals the checksum digit, the number is valid
Major Industry Identifier Check
The first digit of a credit card number identifies the major industry. The MII table below shows the industry assignment for each digit:
| MII Digit | Issuer Category |
|---|---|
| 0 | ISO/TC 68 and other industry assignments |
| 1 | Airlines |
| 2 | Airlines, Financial and other future industry assignments |
| 3 | Travel and Entertainment |
| 4 | Banking and Financial |
| 5 | Banking and Financial |
| 6 | Merchandising and Banking/Financial |
| 7 | Petroleum and other future industry assignments |
| 8 | Healthcare, Telecommunications and other future industry assignments |
| 9 | For assignment by national standards bodies |
Issuer Identification Number Check
The first six digits of a credit card number identify the issuing network. The IIN/BIN table below maps prefixes to card networks:
| Issuing Network | IIN/BIN Ranges | Active |
|---|---|---|
| American Express | 34, 37 | Yes |
| China T-Union | 31 | Yes |
| China UnionPay | 62 | Yes |
| Dankort | 5019 | Yes |
| Diners Club International | 36, 300-305, 3095, 38 | Yes |
| Diners Club USA/Canada | 54, 55 | Yes |
| Discover | 6011, 622126-622925, 644-649, 65 | Yes |
| InterPayment | 636 | Yes |
| InstaPayment | 637-639 | Yes |
| JCB | 3528-3589 | Yes |
| Maestro | 5018, 5020, 5038, 5893, 6304, 6759, 6761-6763 | Yes |
| Maestro UK | 6759, 676770, 676774 | Yes |
| MasterCard | 51-55, 2221-2720 | Yes |
| RuPay | 60, 65, 81, 82, 508 | Yes |
| UATP | 1 | Yes |
| Verve | 506099-506198, 650002-650027 | Yes |
| Visa | 4 | Yes |
| Visa Electron | 4026, 417500, 4508, 4844, 4913, 4917 | Yes |
Card Number Length Check
Different card networks require specific card number lengths:
| Issuing Network | Length |
|---|---|
| American Express | 15 |
| China T-Union | 19 |
| China UnionPay | 16-19 |
| Dankort | 16 |
| Diners Club International | 14-19 |
| Diners Club USA/Canada | 16 |
| Discover | 16-19 |
| InterPayment | 16-19 |
| InstaPayment | 16 |
| JCB | 16-19 |
| Maestro | 12-19 |
| Maestro UK | 12-19 |
| MasterCard | 16 |
| RuPay | 16 |
| UATP | 15 |
| Verve | 16-19 |
| Visa | 16 |
| Visa Electron | 16 |
Bank Identification Number (BIN) Check
The first 6 digits are looked up in our BIN database to find the card issuer, type, country, and other information.
How to check it ?
Examples of some GOOD inputs:
- 371449635358431
- 5569755825672968
Examples of some BAD inputs:
- 1234 (too short)
- abcdefghijklm (not numeric)
Is This Credit Card Validator Secure to Use?
Yes. All validation checks are performed client-side in your browser. No card numbers are transmitted to any server. FreeBINChecker does NOT save any submitted data.