CC Checker — Free Credit Card Validator (Live or Dead)

Format: card_number|MM|YY|CVV • 0 lines
Live — 0
Die — 0
Unknown — 0

What is a CC Checker?

A credit card checker is a developer utility that validates card numbers using multiple checks including the Luhn algorithm, card network identification (BIN/IIN lookup), card length validation, expiry date verification, and CVV format checking. This tool helps determine whether a card number is structurally valid and identifies which payment network (Visa, Mastercard, Amex, etc.) it belongs to, enabling developers to validate test payment data before sending transactions to live gateways.

Luhn Algorithm Explained

The Luhn algorithm (created by Hans Peter Luhn in 1954) is the checksum formula used by all major payment networks. It works by processing digits from right to left: every second digit from the right is doubled, and if the result exceeds 9, the digits are summed (e.g., 14 becomes 1+4=5). All digits are then summed, and if the total is divisible by 10, the number is valid. According to Wikipedia's Luhn algorithm documentation, this catches approximately 7 in 8 single-digit errors and all adjacent-digit transpositions, making it robust enough for initial card validation.

How CC Checker Works

The tool follows a deterministic validation process:

  1. Input: Paste card numbers in card_number|MM|YY|CVV format, one per line
  2. BIN Detection: Tool identifies the card network by matching the first digits against known BIN/IIN ranges
  3. Luhn Validation: Runs the Luhn algorithm to verify the card number checksum
  4. Expiry Check: Validates the month and year against current date
  5. CVV Verification: Checks CVV length matches the card network standard (3 for most, 4 for Amex)
  6. Results: Each card is categorized as Live, Die, or Unknown with detailed reasons

Supported Card Types

The checker supports all major card networks including Visa, Mastercard, American Express, Discover, JCB, Diners Club, UnionPay, Maestro, Mir, RuPay, Troy, Elo, Hipercard, and InterPayment. Co-branded card patterns are detected when a card number matches multiple network prefixes simultaneously.

Common Use Cases

  • Payment Integration Testing: Validate test card numbers during Stripe, PayPal, or Braintree integration
  • QA Automation: Bulk validate test datasets for CI/CD pipelines before deployment
  • Form Validation: Test checkout form input handling for different card types and edge cases
  • Education: Learn about Luhn algorithm, BIN patterns, and card number structure for computer science coursework
  • Data Migration: Validate existing card data during payment processor migrations

Related Tools

CC Generator
BIN Lookup
Credit Card Validator

Frequently Asked Questions

This tool validates credit card numbers using multiple checks including:
  • Luhn algorithm verification
  • Card length validation
  • Expiry date validation
  • CVV format verification
It helps determine whether a card is structurally valid.

The Luhn algorithm is a mathematical checksum used to validate credit card numbers.

It works by:
  1. Doubling alternate digits
  2. Subtracting 9 if result > 9
  3. Summing all digits
  4. Checking if total is divisible by 10

  • Live → Passed validation + API check
  • Die → Failed validation or invalid
  • Unknown → Could not determine (API error / unsupported)

No. A valid result only means:
  • The card number format is correct
  • It passes mathematical validation
It does NOT confirm:
  • Real existence
  • Active status
  • Available balance

Yes. Your data is safe:
  • No permanent storage
  • No database logging
  • Processed temporarily for validation only

Use the following formats: 
card_number|MM|YY|CVV
card_number|MM|YYYY|CVV
Multiple cards can be entered line by line.

A card may be invalid due to:
  • Incorrect length
  • Failed Luhn check
  • Expired date
  • Invalid CVV
  • Unsupported card type

Supported networks include:
  • Visa
  • Mastercard
  • American Express (Amex)
  • Discover
  • JCB
  • Diners Club
  • UnionPay
  • Maestro
  • Mir