PAN & BIN Validator

What a card number is made of

Under ISO/IEC 7812 a PAN is up to nineteen digits: an issuer identification number identifying the scheme and issuer, an account identifier assigned by that issuer, and a single Luhn check digit at the end.

The IIN used to be six digits. ISO/IEC 7812-1 defined the eight-digit form in 2017 and the schemes finished moving to it in April 2022, but both lengths are still in circulation and plenty of production BIN tables are still keyed on six. If you are building anything that maps a prefix to an issuer, handle both.

Why we show several schemes at once

Because the ranges do overlap. Elo is carved out of Visa's 4 and Mastercard's 5 blocks, so an Elo BIN legitimately matches all three on a short prefix. Troy shares 65 with Discover, and RuPay's 6521 and 6522 sit inside that same block, so those match three schemes at once. Discover's 622126-622925 block is the UnionPay co-brand range.

Any tool that returns exactly one scheme for these prefixes is guessing. Real routing decisions come from the acquirer's BIN table, which is licensed commercial data keyed on far more than a prefix, and this site does not pretend to have one.

Two things Luhn does not tell you

It does not tell you the card exists. A Luhn-valid number in a valid range is trivially easy to generate, which is what the check digit calculator does. Only an authorisation, or a zero-amount account verification, establishes that a card is real and open.

It also does not always fail on genuine cards. Some domestic-only UnionPay cards do not carry a valid Luhn check digit. Hard-failing on Luhn for 62 ranges will reject real cards, which is why this tool flags it as inconclusive rather than invalid.

Handling real card numbers

Everything here runs in your browser and nothing is transmitted. But the broader habit is worth keeping: a PAN in a browser tab is a PAN in your session history, your clipboard, and possibly a screenshot. Prefer test numbers, and if you must check a live card, mask it first. PCI DSS caps what may be displayed at the BIN plus the last four digits, so with an eight-digit BIN that is the first eight and the last four. This tool masks to six and four, which shows less than the cap allows and is enough to identify a range and a card.