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This is an algorithm specifically designed to prevent accidental errors such as typos.
Knowing the Major Industry Identifier (MII) and the Issuer Identification Number (IIN) we can prefix a credit card number and then randomly select the rest, as long as they comply to the MOD 10 algorithm.
Read more about CNP transactions and how you need more information about a card to make a purchase remotely. If you've ever found yourself trying to try a product online which required a credit card, even when you just want to take a look, you know why we made this.
We believe there's no need to share such information with providers without the actual intent to buy stuff.
This formula has been in use to validate a lot of identification numbers besides credit cards since its development by scientist Hans Peter Luhn from IBM.
To teach you how to manually validate a specific number, lets do an example: Say we have In order for a credit card number to be valid, it has to be validated by the MOD 10 algorithm.
Anyone can make a website with a form and require you to insert valuable and sensitive information which requires you to give up your privacy.
This is a way to protect yourself in such situations.
For the technically inclined, this number complies to the ISO/IEC 7812 numbering standard.
The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.
It is used to validate the primary account number to protect against accidental errors.
It identifies the industry where the card will be most used in.
If this digit is 9 the next three digits are the country code from ISO 3166-1.
The credit card numbers you generate on this page are completely random.