Validate & Verify Credit Cards With CC Checker

Enter a credit or debit card number to see if its real or not. Numbers are checked and discarded — never stored.

Spaces and dashes are fine.

Credit/Debit Card Verification Information

Awaiting input

Credit / debit card verification information
Card Number
Valid
Luhn Algorithm Check
Scheme
Bank Name
Type
Level
Country Of Origin
Major Industry Identifier (MII)
BIN / IIN
PAN
Checksum Digit
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Method

How the check works

Three passes over the number, in order. Each one narrows what the card can be.

  1. 1

    Structure

    Length and prefix are read to determine the Major Industry Identifier and the candidate scheme — Visa, Mastercard, Amex, Discover, JCB, UnionPay and others.

  2. 2

    Luhn checksum

    Every second digit is doubled from the right, digits over nine are summed, and the total must divide by ten. This catches almost all single-digit typos.

  3. 3

    BIN lookup

    The first six to eight digits are matched against issuer records to return the bank, card type, product level and country of issue.

Reference

What a BIN or IIN actually is

A card number is not random. It is a structured identifier defined by ISO/IEC 7812, and every segment carries meaning. Reading it left to right tells you who issued the card, in which country, and whether the number was transcribed correctly.

Digit 1 — MII
The Major Industry Identifier names the sector that issued the card: 4 and 5 are banking and financial, 3 is travel and entertainment, 7 is petroleum.
Digits 1–6, now 1–8 — BIN / IIN
The Bank or Issuer Identification Number. This is the segment that resolves to a named bank, a card type, a product level and a country of origin.
Remaining digits — Account number
Assigned by the issuer to the individual account. Together with the BIN it forms the Primary Account Number, the PAN.
Final digit — Checksum
Calculated so the whole number satisfies the Luhn formula. It validates the number's internal consistency and nothing else.

A number that passes every one of these checks is well-formed. That is a different claim from the card being real, open, funded or authorised — only the issuing bank can answer those.

Questions

Frequently asked

Does a valid result mean the card works?

No. It means the number is structurally correct and passes the Luhn checksum — the same test a payment form runs before it contacts a bank. Whether the account exists, is open, or holds funds is known only to the issuer.

Do you store the numbers I enter?

No. The number is validated in memory and discarded when the response is sent. It is not logged, not written to a database, and not shared with third parties.

Why is the bank name sometimes missing?

BIN records are published unevenly. Some ranges — particularly newer, virtual and prepaid ones — have no public issuer entry, so the field returns empty while the structural checks still succeed.

What is the difference between a BIN and a PAN?

The BIN is the leading six to eight digits that identify the issuer. The PAN is the complete number, BIN included. Every PAN begins with a BIN.

Can I check a card I do not own?

This tool reads publicly documented number structure and issuer ranges. It returns no cardholder information of any kind. Use it for validating your own cards, test data and integration work — not for anything else.

A note on what this tool is for

CC Checker performs offline structural validation. It never contacts a card network, never attempts an authorisation, and cannot tell you a balance, a cardholder name or an expiry date. It exists for developers testing payment integrations, for support teams confirming a mistyped number, and for anyone curious about how card numbers are built.