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MasterCard

  • 5599 9155 4987 5271
  • 5575 1463 0138 5964
  • 5201 4502 2650 4192
  • 5131 5339 2988 0749
  • 5346 7622 7747 7326

VISA

  • 4556 0391 6899 2368
  • 4716 0472 9158 7317
  • 4485 0076 0912 3212
  • 4716 3635 5704 2123
  • 4716 5817 8436 9858

AMEX

  • 3421 3771 7249 418
  • 3786 9118 7904 859
  • 3744 6048 1859 035
  • 3442 6634 2254 028
  • 3717 1656 0165 088

Discover

  • 6443 7318 1679 2131
  • 6011 4458 6551 1597
  • 6497 2994 3723 8319
  • 6451 4873 4603 7633
  • 6476 0092 6878 4066

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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