Card Validator

Card Validator provides rapid card number validation and issuer insight for onboarding, screening, and risk assessment. It applies a set of domain rules, including the Luhn checksum, length validation, and issuer/brand detection via BIN ranges. The tool can optionally validate expiry inputs and flag expired or structurally invalid numbers. Outputs include is_valid, luhn_valid, brand, issuer, bin, country, and risk_score, allowing teams to triage cards for fraud checks or policy-based approvals. It differentiates itself with a compact, offline-friendly BIN dataset and an internal CISRS-based risk model that classifies risk as low, medium, or high. This enables integration into API pipelines or batch validation workflows without performing live payment network checks. The tool is suited for fintechs, ecommerce platforms, and merchant onboarding teams that need fast, deterministic checks rather than full payment authorization. It supports consistent formatting, can be used for data cleansing, and helps enforce basic PCI-DSS aligned handling by avoiding data retention beyond the validation session. Core features also include issuer and brand detection, optional country inference, and clear failure reasons for invalid numbers. Use cases include pre-validation before gateway submission, batch card cleaning for CRM, and risk screening in KYC processes.