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For more complete testing data you can make up an expiration dates, a card holder name and possibly an address with a zip code.

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.

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.

The issuer identification number also known as the bank identification number (BIN) is the first six digits of the credit card number.

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