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CREDIT CARD NUMBER FORMATS This document has two parts. The first provides basic information about card numbers, such as length, prefixes, and validation numbers. The second part provides information about the Luhn Mod-10 algorithm used to validate numbers. CREDIT CARD NUMBER FORMATS: Table 1 provides information on number formats for various credit card types. CAUTION: The data presented here is for informational proposes only and is subject to change by the Credit Card Associations/Companies. You should verify the information using additional sources prior to using it to create or alter any of your business systems, processes, or procedures. TABLE 1 Card Number Formats Card Type Card Number Prefix/Range Number Length Card Validation Number Length American Express 34 and 37 15 digits 4 digits Diners Club International 36 14 digits 3 digits Account Numbers starting with 36 may be submitted as either Discover (recommended) or Diners Club. Diners Club (US and Canada) 54 and 55 16 digits 3 digits These are processed through the MasterCard network and must be submitted as MasterCard. Document Version: 2.2 Comments 1 © 2016 Vantiv, LLC - All Rights Reserved. Credit Card Number Formats Credit Card Number Formats: Card Type Card Number Prefix/Range Number Length Card Validation Number Length Discover 300000-306000 14 digits 3 digits 309500-309600 or 352800-359000 16 digits Account Numbers starting with 36 may be submitted as either Discover (recommended) or Diners Club. 36 Comments 38 39 64 65 6011 622126-622925 624000-262999 628200-628899 JCB 35 (except 352800-358999) 16 digits 3 digits Account numbers 352800-358999 are processed through the Discover network MasterCard 51-55 16 digits 3 digits 222100 - 272099 or The 222100 - 272099 BIN range will be active as of October 2016. Merchants must support this BIN range no later than January 1, 2017. 19 digits Visa 4 16 digits 3 digits or 19 digits 2 Document Version: 2.2 © 2016 Vantiv, LLC - All Rights Reserved. Luhn Mod-10 Algorithm for Card Number Validation: Credit Card Number Formats LUHN MOD-10 ALGORITHM FOR CARD NUMBER VALIDATION: The Luhn Mod-10 algorithm was invented in 1954 by IBM scientist Hans Peter Luhn and is a relatively simple formula used in has numerous applications to validate identification numbers, including credit cards. The algorithm detects all single digit errors in an account number, as well as most transpositions of adjacent numbers. Use the following method to determine if an account number is Mod-10 compliant: 1. Working from the right, double every other number. If the result of any doubling is a 2-digit number, treat them as individual digits for step 2. For example, 2 * 9 = 18, should be treated as a 1 and an 8. 2. Add all the numbers together, including those you did not double. Remember to treat any 2-digit numbers as individual numbers. 3. If the result of step 2 is a multiple of 10, the account number is Mod-10 compliant. Example: Mod-10 Algorithm For the account number 4005550000081019, the computations are shown in the table below. 4 0 x2 0 5 x2 5 5 x2 0 0 x2 0 0 x2 0 8 x2 1 0 x2 1 9 x2 8 0 0 5 10 5 0 0 0 0 0 8 2 0 2 9 8+ 0+ 0+ 5+ 1+0+ 5+ 0+ 0+ 0+ 0+ 0+ 8+ 2+ 0+ 2+ 9 The result is 40, which is a multiple of 10 and therefore compliant. Document Version: 2.2 3 © 2016 Vantiv, LLC - All Rights Reserved.