Download CARD NUMBER FORMATS

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
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© 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
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© 2016 Vantiv, LLC - All Rights Reserved.