Ways to validate credit card number

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Not everyone knows that credit card numbers are generated based on specific rules and regulations. This way each card has a unique number which cannot be duplicated. There is a formula, known as the Luhn Algorithm, on the basis of which bank card numbers or other identifying numbers, such as Social Security numbers, can be calculated as a sum.

The formula provides a way to validate a card number manually, but there are also online card validators that can be used to save time when performing the calculation. In this article, let’s take a look at the two types of validation.

Online validation steps

  1. There are a number of websites that allow you to verify your bank ID numbers for free. Use one of these credit card validators to check the current status of your card. Also, using a Bin Checker can help identify the issuing bank – you may need to complete this step before performing a check on the card.
  2. Before you can perform a verification, you will be asked to provide certain information, such as credit card number, card type, dates shown on the card. Once you have provided the details, press Enter to submit the information and begin the validation process.
  3. Once the system performs a verification, you will receive a message confirming whether the card is valid or not. Some BIN verification services may also provide you with additional information about the card.

In some cases, it might take up to a few minutes for a query to run, but in most cases it would only take a few seconds.

Note that finding a BIN checker website is a must. Learn more about the website you are about to use by reading the reviews of other users to find out if its BIN checker is trustworthy.

Steps for manual validation

  1. Write down the credit card number. The digits of the number will be used to perform the validation of the card on the basis of the formula.
  2. Start with the rightmost digit, double the value of every second digit. If doubling a number results in a number greater than 9, add the digits of the product to make a single-digit number. For example, if 9 is a number on the credit card, 9 x 2 = 18. The sum of these two numbers (1 + 8) is 9.
  3. Then add all the numbers you have. If the total can be divided by 10, the card number is considered valid. Otherwise it is invalid.

These are the two most common ways to validate a credit or debit card using the card number.

Whether you validate a card manually or by using a validation service, if you receive a message that the card is invalid, contact customer service for more information on the reason and what can be done.


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