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MasterCard

  • 5239 3229 0976 6867
  • 5467 3635 7267 1003
  • 5225 0893 2295 7771
  • 5176 7348 6200 5338
  • 5505 8202 5030 8756

VISA

  • 4539 2522 6504 2654
  • 4539 4507 0244 3010
  • 4929 6422 7776 6175
  • 4916 0111 3932 7318
  • 4511 2552 6511 5919

AMEX

  • 3719 5268 0653 022
  • 3440 3083 2318 093
  • 3470 3053 1332 756
  • 3776 0464 0807 529
  • 3749 0866 3607 473

Discover

  • 6475 4577 3626 0501
  • 6470 4007 1622 7756
  • 6440 3435 5673 7772
  • 6011 4060 2132 4390
  • 6462 5008 3854 7898

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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