Validation Summary
{{ summary.main.is_valid ? 'Valid' : 'Invalid' }}
{{ summary.supplementary.valid + (summary.main.is_valid ? 1 : 0) }} Valid {{ summary.supplementary.invalid + (summary.main.is_valid ? 0 : 1) }} Invalid
Credit-card numbers
Entries: {{ results.length }}
# Number Valid Type MII IIN-6 IIN-8 Len Length OK Copy
{{ i + 1 }} {{ maskNumbers ? mask(r.number) : spaced(r.number, r.card_type) }} {{ r.is_valid ? 'Yes' : 'No' }} {{ r.card_type }} {{ r.mii }} {{ r.iin }} {{ r.iin8 }} {{ r.length }} {{ r.length_valid ? 'Yes' : 'No' }}
No results yet.
Number{{ maskNumbers ? mask(summary.main.number) : spaced(summary.main.number, summary.main.card_type) }}
Type{{ summary.main.card_type }}
Length{{ summary.main.length }}
Expected Lengths{{ (summary.main.expected_lengths && summary.main.expected_lengths.length ? summary.main.expected_lengths.join(', ') : '—') }}
MII{{ summary.main.mii }}
IIN-6{{ summary.main.iin }}
IIN-8{{ summary.main.iin8 }}
Luhn Valid{{ summary.main.is_valid ? 'Yes' : 'No' }}
Length OK{{ summary.main.length_valid ? 'Yes' : 'No' }}
No details yet.
 

            


        


    



                

                

                    

                        

                            Categories:
                                                            
                                    Finance
                                
                                ,                                                             
                                    Validator
                                
                                                                                    

                        

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Payment card validation confirms that a Primary Account Number (PAN) conforms to structural rules before any authorization attempt. A credit card validator online applies a standard check digit and issuer recognition to catch typos early and reduce declines. The concept spans card networks and point‑of‑sale systems, using the Issuer Identification Number (IIN), major industry identifier (MII), and a checksum to flag malformed inputs before storage, transmission, or security controls engage.

  
Here, you provide one or more numbers as plain text or import a small text file, and the utility evaluates each token independently. It reports checksum validity, likely brand type, high‑order industry category, and identification prefixes that support reconciliation or data hygiene. Results appear in a compact table for review and export, while summary charts help you spot outliers or duplicates during quality assurance without exposing full account details on screen.

  
For example, checking 4111111111111111 and 378282246310005 shows two structurally valid numbers from different schemes, signaling that a data import kept formatting consistent. You would then review any invalid entries before upload or handoff. A passing checksum and plausible prefix do not prove a live account, cardholder identity, or authorization outcome; they only indicate structural plausibility based on public numbering rules.






  
Technical Details:


  
1) Concept Overview

  
PANs are structured identifiers defined by ISO/IEC 7812 with an initial major industry identifier (MII), an issuer identification number (IIN), an account sequence, and a final check digit computed by the Luhn modulus‑10 algorithm. This tool treats each contiguous sequence of digits as an independent candidate, derives its MII and likely scheme from prefix patterns, and calculates the checksum to assess plausibility. Optional checks compare observed length against typical scheme lengths to highlight anomalies that can indicate OCR mistakes, truncated exports, or misplaced mask characters.

  

  
2) Core Equation or Process

  
    
    
  1. Tokenize input into digit strings by splitting on whitespace or commas; remove all non‑digit characters within each token (base‑10 digits only).
    2. 
    
    
  2. Compute the Luhn checksum on each digit string and mark validity.
    3. 
    
    
  3. Classify the scheme from prefix rules and allowed lengths; derive MII from the first digit; extract IIN‑6 and IIN‑8 prefixes.
    4. 
    
    
  4. Optionally apply a strict length check against scheme‑typical lengths to flag “Length OK”.
    5. 
    
  

  

    
      
        S=
        
          ∑
          i=0
          n−1
        
        f(di,i)
      
    
    
      
        Valid⇔Smod10=0
      
    
    
Here, di are base‑10 digits indexed from the right (i = 0), and f doubles every odd‑indexed digit, subtracting 9 where the product exceeds 9; other digits contribute unchanged.

    
  


  
3) Interpretation & Thresholds

  

    

      
        

          Scheme
          Typical Lengths (digits)
          Notes
        

      
      
        
Visa13, 16, 19Starts with 4.

        
MasterCard16Prefixes 51–55; 2221–2720.

        
American Express15Prefixes 34, 37.

        
Diner’s Club14Prefixes 300–305, 36, 38.

        
Discover16, 17, 18, 19Prefixes 6011, 65, 644–649, 622126–622925.

        
JCB16, 17, 18, 19Prefixes 2131, 1800, 35xx…

        
Unknown—Prefix not matched to a known scheme.

      
    

  

  
A number that passes Luhn but fails the scheme’s typical length suggests formatting or entry issues. Enable strict length checking to surface these mismatches during review.

  

  
4) Variables & Parameters

  

    

      
        

          Parameter
          Meaning
          Unit/Datatype
          Typical Range
          Notes
        

      
      
        

          Input tokens
          Digit sequences extracted from text or imported file.
          String of digits
          ≥ 1 digit
          Whitespace and commas separate tokens; non‑digits removed per token.
        

        

          Strict length check
          Show “Length OK” based on scheme‑typical lengths.
          Boolean
          Off/On
          Neutral default is off.
        

        

          Remove duplicates
          Drop repeated tokens after parsing.
          Boolean
          Off/On
          Neutral default is off.
        

        

          Minimum digits per token
          Discard tokens shorter than this many digits.
          Integer
          0–∞
          Default is 0 (no filter).
        

        

          Import list
          Load tokens from a local file.
          .txt, .csv
          Plain text
          Processed entirely in your browser.
        

        

          Mask numbers
          Display only the last four digits for safety.
          Boolean
          Off/On
          Useful for demos and screen sharing.
        

      
    

  

  

  
5) Worked Example

  

    
Input: 4111111111111111

    
Checksum:
      
        S=30
      
      
        Smod10=0
      
      → Valid.
    

    
Classification: Scheme: Visa; MII: Banking; IIN‑6: 411111; IIN‑8: 41111111; Length: 16; Length OK: Yes.

  

  

  
6) Assumptions & Limitations

  
    
    
  • Luhn validity indicates format plausibility; it does not verify account status or authorization outcome.
    • 
    
  • Heads‑up Scheme detection relies on prefix patterns and typical lengths encoded at build time.
    • 
    
  • Parsing strips all non‑digits inside tokens, which can mask certain transcription issues.
    • 
    
  • “Unknown” type appears when no scheme pattern matches.
    • 
    
  • Strict length check is an optional display; disabling it hides the length flag in tables.
    • 
  

  

  
7) Edge Cases & Error Sources

  
    
    
  • Leading zeros are preserved and counted toward length.
    • 
    
  • Very long digit runs may be “Unknown” yet still pass Luhn, requiring separate business rules.
    • 
    
  • CSV fields containing punctuation become multiple tokens after splitting on commas.
    • 
    
  • Mixed line endings are normalized; stray Unicode digits outside 0–9 are removed during parsing.
    • 
    
  • Duplicate tokens can inflate counts when de‑duplication is off.
    • 
  

  

  
8) Scientific/Standards Backing

  
ISO/IEC 7812 defines the numbering system, including MII and IIN structure. The Luhn (modulus‑10) algorithm underpins the checksum method. PCI DSS terminology clarifies PAN handling and masking expectations in operational environments.


  
9) Privacy & Compliance

  
Validation runs entirely in your browser; pasted text and imported files are processed locally and not uploaded. The charting layer may load assets from a public content network during page load. Outputs are educational and not financial advice.

  





  
How to Use:

  
Follow these steps to validate single numbers or lists quickly.

  
    
    
  1. Paste numbers into the field or choose Import List to load a .txt or .csv file.
    2. 
    
  2. Optionally enable Remove duplicates, set Minimum digits, or turn on Strict length check for scheme‑typical lengths.
    3. 
    
  3. Select Validate to populate the table; switch tabs for Summary, Stats, Details, or JSON.
    4. 
    
  4. Use Mask numbers to show only last four digits during review.
    5. 
    
  5. Copy or download results as CSV/JSON for auditing and handoff.
    6. 
  

  
Example: Input “4111111111111111, 378282246310005” → both pass Luhn, with Visa and American Express classifications.

  
Warning Do not paste live customer PANs unless authorized and compliant with your organization’s security policies.

  





  
FAQ:


  

    Is my data stored?
    
No. All parsing and validation happen locally in your browser; pasted text and imported files are not sent to a server.

    
  


  

    How accurate is the check?
    
The Luhn algorithm accurately detects common entry errors, and scheme rules screen typical prefixes and lengths. Passing results do not confirm card status, funds, or authorization.

    
  


  

    What input formats are supported?
    
Paste plain text with numbers separated by spaces, commas, or new lines. Non‑digits are stripped per token. File import accepts .txt and .csv.

    
  


  

    Can I use it offline?
    
Validation works without a network connection. Initial page load may retrieve the charting layer from a public content network.

    
  


  

    What does MII stand for?
    
Major Industry Identifier, derived from the first digit, indicating sectors like banking, travel, or telecommunications.

    
  


  

    Can I export the results?
    
Yes. Copy the table as CSV, download CSV for spreadsheets, or copy/download structured JSON for integrations.

    
  


  

    What license applies?
    
No license notice is embedded in this package; consult the site’s terms or repository for licensing and attribution requirements.

  






  
Troubleshooting:

  
    
    
  • Everything shows “Invalid”: ensure inputs are digits; increase Minimum digits if formatting leaves short fragments.
    • 
    
  • Imported file did not parse: save as plain .txt or .csv; avoid proprietary formats or embedded images.
    • 
    
  • Stats tab is empty: add results first; if charts do not appear, your network may block external assets.
    • 
    
  • Copy buttons do nothing: allow clipboard permissions in your browser or copy from JSON view manually.
    • 
    
  • Length OK column missing: enable Strict length check in Advanced.
    • 
  

  
  





  
Advanced Tips:

  
    
    
  •  Use Remove duplicates before exporting to prevent skewed counts in QA spreadsheets.
    • 
    
  •  Set Minimum digits to exclude short artifacts created by redaction or formatting.
    • 
    
  •  Toggle Mask numbers during demos or screen shares to avoid exposing full PANs.
    • 
    
  •  Export JSON to feed automated tests that assert Luhn validity and scheme detection.
    • 
    
  •  Enable Strict length check to catch transpositions that still pass Luhn.
    • 
  






  
Glossary:

  

    
PAN (Primary Account Number)

    
Full payment card number including check digit.


    
Luhn algorithm

    
Modulus‑10 checksum used to detect entry errors.


    
MII

    
Major Industry Identifier from the first digit.


    
IIN‑6 / IIN‑8

    
Issuer Identification Number prefixes of 6 or 8 digits.


    
Scheme

    
Issuer brand classification inferred from prefixes.


    
Token

    
A parsed digit sequence treated as one candidate.


    
Checksum

    
Calculated value verifying structural integrity.