Disclaimer: This utility runs completely within your browser. No information entered or generated here is sent to any server or transmitted over the internet. All processing occurs locally on your device.
Validate Credit Card Number
Issuer
Major Industry Identifier
Issuer Identification Number
Personal Account Number & Checksum
Generate Test Credit Card Number
How Credit Card Validation is Processed
This validator evaluates cards for Visa, MasterCard, Discover, American Express, Diners Club, and JCB cards. The validation process checks the following:
Luhn Algorithm: Ensures that the credit card number passes the Luhn algorithm to prove itself to be a valid credit card number.
Major Industry Identifier (MII): The first digit of the credit card number.
Issuer Identification Number (IIN): The next six digits after the MII.
Personal Account Number & Checksum: The last digits include the personal account number and a checksum digit.
The validator checks these components in the following order:
First Digit – Major Industry Identifier
Six Digits – Issuer Identification Number
Remaining Digits – Personal Account Number and Checksum
How to Find Bank Identification Numbers
The Bank Identification Number (BIN) is the first four to six digits of a cardholder number. It identifies both the major industry the card is primarily used with and the issuer of that card.
The first number (MII) differentiates banking cards from other cards:
3, 4, 5, 6: Banking and financial industries
1, 2: Airline industry
7: Petroleum industry
8: Healthcare or telecommunications industries
9, 0: Assignment by ISO or other national standards bodies
Common issuer IIN ranges:
Visa: All BINs starting with 4
American Express: BINs starting with 34 and 37
Mastercard: BINs starting with 2221-2720 and 51-55
Discover: BINs starting with 6011, 622126–622925, 624000–626999, 628200–628899, 64, or 65
Note: Due to the finite number of 4-6 digit BINs, issuers are starting to create 8-digit BINs. This doesn't change the length of the Primary Account Number (PAN) but affects the remaining digits used to identify specific accounts.