CC Checker: Validate, Verify & Check Credit Card Details Online
Learn about the credit card payment process, how algorithms like LUHN ensure security, common issues, and solutions to improve transaction accuracy and reduce fraud.
Importance of Credit Card Validation
- Prevents fraud and ensures secure transactions.
- Validates cardholder information for smooth payment processing.
Common Scenarios Requiring CC Validation
- Online shopping.
- Subscription services.
- Verification for financial services.
Understanding Credit Card Verification
Definition of Credit Card Verification
- Ensures the card details provided are accurate and functional.
Differences Between Verification and Validation
- Verification: Confirms card information is accurate.
- Validation: Checks the card’s usability for transactions.
How Credit Card Checker Work
Overview of Validation Tools and Mechanisms
- Algorithms like Luhn for number validation.
- Databases to identify issuing banks and networks.
Key Components Analyzed
- Major Industry Identifier (MII): Determines the industry origin.
- Issuer Identification Number (IIN/BIN): Identifies the issuing institution.
- Primary Account Number (PAN): Unique cardholder identifier.
- Checksum: Validates card number accuracy.
Results Interpretation from Credit Card Validators
Major Sections in Validation Results
- Card issuing network (e.g., Visa, MasterCard).
- Card type and length validation.
- Expiration date and activation status.
Common Errors and What They Indicate
- Invalid checksum: Likely a typographical error.
- Expired card: Indicates the card is no longer usable.
Benefits of Using Credit Card Validators
Versatility
- Supports a wide range of card types and brands.
Fraud Prevention
- Identifies compromised or invalid cards.
Security and Ease of Use
- Non-invasive and safe for online applications.
- Many tools are free and easily accessible.
The Role of the Luhn Algorithm
Purpose of the Algorithm
- Mathematical formula to ensure number accuracy.
How the Algorithm Works
- Steps for validating credit card numbers.
- Detecting common errors or fake numbers.
Characteristics of Major Credit Card Types
American Express (AMEX)
- Prefix: 34 or 37.
- Length: 15 digits.
Visa
- Prefix: Starts with 4.
- Length: 13 or 16 digits.
MasterCard
- Prefix: 51–55 or 2221–2720.
- Length: 16 digits.
Other Networks
- Discover, Diners Club, RuPay, JCB, and others.
Read further details from the table below:
| Network | Length | Validation | Active | IIN/BIN Ranges |
|---|---|---|---|---|
| Visa | 13, 16 | LUHN | YES | 4 |
| Mastercard | 16 | LUHN | YES | 2221 – 2720, 51 – 55 |
| Discover Card | 16 – 19 | LUHN | YES | 6011, 644-649, 65 |
| American Express | 15 | LUHN | YES | 34, 37 |
| RuPay | 16 | LUHN | YES | 60, 65, 81, 82, 508 |
| JCB | 16 – 19 | LUHN | YES | 3528 – 3589 |
| China UnionPay | 16 – 19 | LUHN | YES | 62 |
| Diners Club (International) | 16 – 19 | LUHN | YES | 36, 300 – 305, 3095, 38 – 39 |
| Troy | 16 | LUHN | YES | 65 (Discover co-branded), 9792 |
| UkrCard | 16 – 19 | LUHN | YES | 60400100 – 60420099 |
| Maestro | 12 – 19 | LUHN | YES | 5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763 |
| Bankcard | 16 | LUHN | NO | 5610, 560221 – 560225 |
| Laser | 16 – 19 | LUHN | NO | 6304, 6706, 6771, 6709 |
| Visa Electron | 16 | LUHN | YES | 4026, 417500, 4508, 4844, 4913, 4917 |
| Solo | 16, 18, 19 | LUHN | NO | 6334, 6767 |
| Switch | 16, 18, 19 | LUHN | NO | 4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 |
| LankaPay | 16 | LUHN | YES | 357111 |
| NPS Pridnestrovie | 16 | LUHN | YES | 6054740 – 6054744 |
| Verve | 16, 18, 19 | LUHN | YES | 506099–506198, 650002–650027, 507865-507964 |
| Mir | 16 – 19 | LUHN | YES | 2200 – 2204 |
| Compromised Card (API) | 16 | UNKNOWN | YES | 1, 2, 6, 7, 8, 9 |
| China T-Union | 19 | LUHN | YES | 31 |
| BORICA | 16 | LUHN | YES | 2205 |
| InstaPayment | 16 | LUHN | YES | 637 – 639 |
| InterPayment | 16 – 19 | LUHN | YES | 636 |
| Visa (co-branded) | 16 | LUHN | YES | 4571 |
| UzCard | 16 | UNKNOWN | YES | 8600 |
| GPN | 16 | UNKNOWN | YES | 1, 2, 6, 7, 8, 9 |
| Dankort | 16 | LUHN | YES | 5019 |
| UATP | 15 | LUHN | YES | 1 |
How to Check if a Credit Card is Active
Online Methods for Activation Checks
Indicators of Inactive or Expired Cards
- Failed checksum or mismatched metadata.
Compromised Credit Card APIs
What are Compromised APIs?
- APIs used to detect fraud involving stolen card details.
Key Features of Fraud APIs
- Metadata validation (e.g., Bank Identification Number “BIN”, “CVV”, “IP addresses”).
- Real-time fraud detection.
Best Practices for Preventing Fraud
- Regularly monitor card activity.
- Use advanced fraud APIs for businesses.
Common Use Cases for Credit Card Validators
Validating Numbers for Transactions
Ensuring Accurate Payment Processing
Fraud Prevention in Financial Systems
Frequently Asked Questions (FAQs)
- What is the purpose of a credit card validator?
- What makes a credit card number valid?
- How do different card networks differ in prefixes and length?
- What is the Luhn Algorithm? How is it used?
- Can compromised credit card APIs prevent fraud effectively?
- Is it safe to validate cards online?
- What is the difference between live and inactive cards?
