How to test credit card validation before using it?

Many people prefer credit cards over in-hand cash because they are much safer and easier to carry everywhere.

The second thing is, you can simply lock your card with a unique pin code which means none of the people use your credit card unless you’ll give them the pin code.

It also helps in keeping the card safe in case of misplacement so, it can be a better choice to use credit cards over in-hand cash or some other payment method.

But still, there are some factors that can be considered as the risk in many scenarios so, you need to be focused while accepting the payment via credit card.

There are many tools that are made for generating wrong credit card numbers that help in accessing online stores or any store where online payments are accepted.

But how can we check the validity of a credit card?

There are numerous methods of checking credit card validation so, let’s have a look at them and having a look, you can choose any suitable one.

Where we can use credit cards?

The purpose of credit cards development is to process the payments and there is no other purpose for credit cards.

And we can say that you can use credit cards at multiple stores and even you can fill up the gas of your car and process the payment via credit cards.

The following platforms will accept credit cards for payment.

• Online stores
• Departmental store
• Company outlets
• Local stores
• Grocery stores
• Online gaming stores
• Petrol pumps

Credit cards are not limited to these only but there can be many more platforms where you can use your credit cards for payment.

Easy ways to check the validity of a credit card

Make it clear that there are numerous ways to check the validation of a credit card number or there is also some online tools that can do this job.

It is up to your choice whether you go for an online tool or you can go for some other ways of checking validation of any credit card number.

We are going to discuss some of them below so, you can go through all the methods and pick up the best and suitable one.

1.    Checking validation by Luhn Algorithm

We can say that the Luhn algorithm is a public domain formula that is used to check the validation of a credit card number before using it.

This method can be used by shopkeepers or storekeepers where payments through credit cards are accepted.

In this method, each digit is doubled by moving right to left and then if you got a number that is greater than nine then you need to subtract nine from the sum of a single digit.

It is not over here, there are some more steps to be followed.

Then you need to take the sum of all the numbers and if the sum of all the numbers can be visible by 10 then you can consider the card number valid.

And then you can use this credit card number anywhere you want and if you are a seller then you can accept payments from that specific credit card.

2.    Credit cardholder verification

Just verifying the credit card numbers is not enough, you also need to verify whether this card is issued to that specific person or not.

But how can we do it?

First of all, make it clear that the cardholder information includes the full name, mailing address, and some other entities.

It can be possible by using a CVV number but what is a CVV number?

This number actually consists of three to four digits which helps to keep the credit cardholder information.

And you can simply retrieve this information by using the CVV number of any credit card and then you can match the personal information with the identity of that specific person.

Once you are done with the checking of account holder’s personal information, you can accept that credit card.

But if you found anything inaccurate or even doubtful then you need to avoid that credit card so, you can check by using these two methods.

Can we check credit card validation by using an online tool?

There are various tools that are designed to do specific tasks and the same goes for the checking validation of a credit card number.

It is definitely possible to check the validation of a credit card number using an online tool but which tool is used to do that job?

We are going to explain this below, have a look.

1.    Credit card validator

You can take a concept by having a look at the name, this tool is specifically created for checking the validity of a credit card.

The good thing about this tool is, most of them are free of cost and easily available on the internet.

But are these credit card validators reliable?

If you are using a credit card validator which means you are using a validator produced or offered by a reliable company then you can easily trust that credit card validator.

Acceptable credit cards

As there are many credit cards so, here are the acceptable credit cards, you can check the validation of these credit cards.

1. American Express
2. Dinners Club
3. Discover
4. JCB
5. Mastercard
6. Visa

These credit cards can be checked and any online tool or any credit card validator can check the validation of the credit cards offered by these companies.

Methods used to check the validation

As we have mentioned above that there are numerous methods that are used to check the validation of a credit card number.

And when it comes to credit card validators, these online tools are also working on the principles of those methods.

So, the methods working on the backend of any online credit card validator are listed below.

1. Luhn Algorithm Check
2. Major Industry Identifier
3. Issuer Identification Number
4. Personal Account Number

Conclusion

It is not wrong to say that credit card validation is compulsory and needed if you want to keep yourself safe from any fraudulent activity.

Some people ignore this process and use or accept credit cards without checking the validation, it can make real trouble for you.

We have discussed the easy methods of checking validation of a credit number; you can use any of the methods.