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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.

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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.

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.

You can also generate valid credit card numbers for specific Issuing Networks by utilising their particular prefixes.

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