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MasterCard

  • 5283 7325 9168 9612
  • 5281 3729 2251 0716
  • 5522 0400 2806 9213
  • 5157 7012 0367 2665
  • 5320 8151 8397 0634

VISA

  • 4024 0071 7400 8416
  • 4532 8006 5148 0206
  • 4716 4747 9027 4660
  • 4929 5821 5227 9680
  • 4532 0407 3680 1924

AMEX

  • 3702 9221 2079 482
  • 3749 4554 1144 196
  • 3487 4624 6396 682
  • 3798 6566 3167 921
  • 3777 0204 9556 794

Discover

  • 6491 6740 5413 5541
  • 6498 1251 5102 2432
  • 6491 8864 7263 6013
  • 6443 1970 5669 0551
  • 6494 1530 3816 4502

Validate your Credit Card

Learn in few easy steps how the Luhn’s formula is applied and used to verify the last digit of the card (commonly known as the check digit) with the following credit card validator tool.

Enter the number of cards you want to create.

Luhn's Proof

Let us illustrate how we validate a credit card using Luhn’s formula with an interactive example.

We have noticed that you have not tried to validate any credit card number yet. We’ll demonstrate the entire process using a test number, 4929717681432141 and applying the Luhn’s formula.

1. Drop the check digit
1
2. Account number
492971768143214
3. Double every other digit
894914114616183418
4. Add up the digits
8 + 9 + 4 + 9 + 5 + 1 + 5 + 6 + 7 + 1 + 8 + 3 + 4 + 1 + 8 = 79

The check digit is obtained by computing the sum of digits then computing 9 times that value modulo 10 (so that's: (79 * 9 mod 10)). In summary:

  1. Compute the sum of the digits (79).
  2. Multiply by 9 (711).
  3. Take the last digit (1).
  4. The result is your check digit.

Significance of First Digit

Many people do not know this as a fact that the left most digit of the card is very important. In the table below, we have outlined the meaning of this number in principal.

First Card Digit Industry Category
0ISO/TC 68 and Other Industry Assignments
1Airlines
2Airlines and Other Industry Assignments
3Travel and Entertainment
4Banking and Financial
5Banking and Financial
6Merchandising and Banking
7Petroleum
8Telecommunications and Other Industry Assignments
9National Assignment

Credit Card Break Down by Issuer

Credit card companies generate their list of card numbers as per a pre- allotted set of pre-fixes. These pre- fixes are much like area codes of a phone number where the first 3 digits of a phone number tell you the area code of that state or province. Similar concept is used in credit card pre-fix numbers.

Card Digits Security / Length Card Prefix
American Express 15 CID / 4 34, 37
Diners Club - Carte Blanche 14 CVV / 3 300, 301, 302, 303, 304, 305
Diners Club - International 14 CVV / 3 36, 38
Diners Club - USA & Canada 16 CVV / 3 54
Discover 16 CID / 3 6011, 644, 645, 646, 647, 647, 649, 65
enRoute 15 CVV / 3 2014, 2149
InstaPayment 16 CVV / 3 637, 638, 639
JCB Co Inc (15 digit) 15 CVV / 3 1800, 2100
JCB Co Inc (16 digit) 16 CVV / 3 3088, 3096, 3112, 3158, 3337, 3528
Laser (16 digit) 16 CVV / 3 6304, 6706, 6709, 6771
Laser (17 digit) 17 CVV / 3 6304, 6706, 6709, 6771
Laser (18 digit) 18 CVV / 3 6304, 6706, 6709, 6771
Laser (19 digit) 19 CVV / 3 6304, 6706, 6709, 6771
MasterCard 16 CVC2 / 3 51, 52, 53, 54, 55
Visa (13 digit) 13 CVV2 / 3 4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929
Visa (16 digit) 16 CVV2 / 3 4, 40240071, 4485, 4532, 4539, 4556, 4716, 4916, 4929
Visa Electron 16 CVV / 3 4026, 417500, 4508, 4844, 4913, 4917
Voyager 15 CVV / 3 8699
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