How do you detect Credit card type based on number

Question

I'm trying to figure out how to detect the type of credit card based purely on its number. Does anyone know of a definitive, reliable way to find this?

Answer 1

In javascript:

function detectCardType(number) {
    var re = {
        electron: /^(4026|417500|4405|4508|4844|4913|4917)\d+$/,
        maestro: /^(5018|5020|5038|5612|5893|6304|6759|6761|6762|6763|0604|6390)\d+$/,
        dankort: /^(5019)\d+$/,
        interpayment: /^(636)\d+$/,
        unionpay: /^(62|88)\d+$/,
        visa: /^4[0-9]{12}(?:[0-9]{3})?$/,
        mastercard: /^5[1-5][0-9]{14}$/,
        amex: /^3[47][0-9]{13}$/,
        diners: /^3(?:0[0-5]|[68][0-9])[0-9]{11}$/,
        discover: /^6(?:011|5[0-9]{2})[0-9]{12}$/,
        jcb: /^(?:2131|1800|35\d{3})\d{11}$/
    }

    for(var key in re) {
        if(re[key].test(number)) {
            return key
        }
    }
}

Unit test:

describe('CreditCard', function() {
    describe('#detectCardType', function() {

        var cards = {
            '8800000000000000': 'UNIONPAY',

            '4026000000000000': 'ELECTRON',
            '4175000000000000': 'ELECTRON',
            '4405000000000000': 'ELECTRON',
            '4508000000000000': 'ELECTRON',
            '4844000000000000': 'ELECTRON',
            '4913000000000000': 'ELECTRON',
            '4917000000000000': 'ELECTRON',

            '5019000000000000': 'DANKORT',

            '5018000000000000': 'MAESTRO',
            '5020000000000000': 'MAESTRO',
            '5038000000000000': 'MAESTRO',
            '5612000000000000': 'MAESTRO',
            '5893000000000000': 'MAESTRO',
            '6304000000000000': 'MAESTRO',
            '6759000000000000': 'MAESTRO',
            '6761000000000000': 'MAESTRO',
            '6762000000000000': 'MAESTRO',
            '6763000000000000': 'MAESTRO',
            '0604000000000000': 'MAESTRO',
            '6390000000000000': 'MAESTRO',

            '3528000000000000': 'JCB',
            '3589000000000000': 'JCB',
            '3529000000000000': 'JCB',

            '6360000000000000': 'INTERPAYMENT',

            '4916338506082832': 'VISA',
            '4556015886206505': 'VISA',
            '4539048040151731': 'VISA',
            '4024007198964305': 'VISA',
            '4716175187624512': 'VISA',

            '5280934283171080': 'MASTERCARD',
            '5456060454627409': 'MASTERCARD',
            '5331113404316994': 'MASTERCARD',
            '5259474113320034': 'MASTERCARD',
            '5442179619690834': 'MASTERCARD',

            '6011894492395579': 'DISCOVER',
            '6011388644154687': 'DISCOVER',
            '6011880085013612': 'DISCOVER',
            '6011652795433988': 'DISCOVER',
            '6011375973328347': 'DISCOVER',

            '345936346788903': 'AMEX',
            '377669501013152': 'AMEX',
            '373083634595479': 'AMEX',
            '370710819865268': 'AMEX',
            '371095063560404': 'AMEX'
        };

        Object.keys(cards).forEach(function(number) {
            it('should detect card ' + number + ' as ' + cards[number], function() {
                Basket.detectCardType(number).should.equal(cards[number]);
            });
        });
    });
});

Answer 2

Do not try to detect credit card type as part of processing a payment. You are risking of declining valid transactions.

If you need to provide information to your payment processor (e.g. PayPal credit card object requires to name the card type), then guess it from the least information available, e.g.

$credit_card['pan'] = preg_replace('/[^0-9]/', '', $credit_card['pan']);
$inn = (int) mb_substr($credit_card['pan'], 0, 2);

// @see http://en.wikipedia.org/wiki/List_of_Bank_Identification_Numbers#Overview
if ($inn >= 40 && $inn <= 49) {
    $type = 'visa';
} else if ($inn >= 51 && $inn <= 55) {
    $type = 'mastercard';
} else if ($inn >= 60 && $inn <= 65) {
    $type = 'discover';
} else if ($inn >= 34 && $inn <= 37) {
    $type = 'amex';
} else {
    throw new \UnexpectedValueException('Unsupported card type.');
}

This implementation (using only the first two digits) is enough to identify all of the major (and in PayPal's case all of the supported) card schemes. In fact, you might want to skip the exception altogether and default to the most popular card type. Let the payment gateway/processor tell you if there is a validation error in response to your request.

The reality is that your payment gateway does not care about the value you provide.

Answer 3

Try this.For swift.

func checkCardValidation(number : String) -> Bool
{
    let reversedInts = number.characters.reversed().map { Int(String($0)) }
        return reversedInts.enumerated().reduce(0, {(sum, val) in
            let odd = val.offset % 2 == 1
            return sum + (odd ? (val.element! == 9 ? 9 : (val.element! * 2) % 9) : val.element!)
        }) % 10 == 0
}

Use.

if (self.checkCardValidation(number: "yourNumber") == true) {
     print("Card Number valid")
}else{
     print("Card Number not valid")
}

Answer 4

// abobjects.com, parvez ahmad ab bulk mailer
use below script

function isValidCreditCard2(type, ccnum) {
       if (type == "Visa") {
          // Visa: length 16, prefix 4, dashes optional.
          var re = /^4\d{3}?\d{4}?\d{4}?\d{4}$/;
       } else if (type == "MasterCard") {
          // Mastercard: length 16, prefix 51-55, dashes optional.
          var re = /^5[1-5]\d{2}?\d{4}?\d{4}?\d{4}$/;
       } else if (type == "Discover") {
          // Discover: length 16, prefix 6011, dashes optional.
          var re = /^6011?\d{4}?\d{4}?\d{4}$/;
       } else if (type == "AmEx") {
          // American Express: length 15, prefix 34 or 37.
          var re = /^3[4,7]\d{13}$/;
       } else if (type == "Diners") {
          // Diners: length 14, prefix 30, 36, or 38.
          var re = /^3[0,6,8]\d{12}$/;
       }
       if (!re.test(ccnum)) return false;
       return true;
       /*
       // Remove all dashes for the checksum checks to eliminate negative numbers
       ccnum = ccnum.split("-").join("");
       // Checksum ("Mod 10")
       // Add even digits in even length strings or odd digits in odd length strings.
       var checksum = 0;
       for (var i=(2-(ccnum.length % 2)); i<=ccnum.length; i+=2) {
          checksum += parseInt(ccnum.charAt(i-1));
       }
       // Analyze odd digits in even length strings or even digits in odd length strings.
       for (var i=(ccnum.length % 2) + 1; i<ccnum.length; i+=2) {
          var digit = parseInt(ccnum.charAt(i-1)) * 2;
          if (digit < 10) { checksum += digit; } else { checksum += (digit-9); }
       }
       if ((checksum % 10) == 0) return true; else return false;
       */

    }
jQuery.validator.addMethod("isValidCreditCard", function(postalcode, element) { 
    return isValidCreditCard2($("#cardType").val(), $("#cardNum").val()); 

}, "<br>credit card is invalid");


     Type</td>
                                          <td class="text">&nbsp; <form:select path="cardType" cssclass="fields" style="border: 1px solid #D5D5D5;padding: 0px 0px 0px 0px;width: 130px;height: 22px;">
                                              <option value="SELECT">SELECT</option>
                                              <option value="MasterCard">Mastercard</option>
                                              <option value="Visa">Visa</option>
                                               <option value="AmEx">American Express</option>
                                              <option value="Discover">Discover</option>
                                            </form:select> <font color="#FF0000">*</font> 

$("#signupForm").validate({

    rules:{
       companyName:{required: true},
       address1:{required: true},
       city:{required: true},
       state:{required: true},
       zip:{required: true},
       country:{required: true},
       chkAgree:{required: true},
       confPassword:{required: true},
       lastName:{required: true},
       firstName:{required: true},
       ccAddress1:{required: true},
       ccZip:{         
           postalcode : true
       },
       phone:{required: true},
       email:{
           required: true,
           email: true
           },
       userName:{
           required: true,
           minlength: 6
           },
       password:{
           required: true,
           minlength: 6
           },          
       cardNum:{           
            isValidCreditCard : true
       },

Answer 5

In swift you can create an enum to detect the credit card type.

enum CreditCardType: Int { // Enum which encapsulates different card types and method to find the type of card.

case Visa
case Master
case Amex
case Discover

func validationRegex() -> String {
    var regex = ""
    switch self {
    case .Visa:
        regex = "^4[0-9]{6,}$"

    case .Master:
        regex = "^5[1-5][0-9]{5,}$"

    case .Amex:
        regex = "^3[47][0-9]{13}$"

    case .Discover:
        regex = "^6(?:011|5[0-9]{2})[0-9]{12}$"
    }

    return regex
}

func validate(cardNumber: String) -> Bool {
    let predicate = NSPredicate(format: "SELF MATCHES %@", validationRegex())
    return predicate.evaluateWithObject(cardNumber)
}

// Method returns the credit card type for given card number
static func cardTypeForCreditCardNumber(cardNumber: String) -> CreditCardType?  {
    var creditCardType: CreditCardType?

    var index = 0
    while let cardType = CreditCardType(rawValue: index) {
        if cardType.validate(cardNumber) {
            creditCardType = cardType
            break
        } else {
            index++
        }
    }
    return creditCardType
  }
}

Call the method CreditCardType.cardTypeForCreditCardNumber("#card number") which returns CreditCardType enum value.

Answer 6

Updated: 15th June 2016 (as an ultimate solution currently)

Please note that I even give vote up for the one is top voted, but to make it clear these are the regexps actually works i tested it with thousands of real BIN codes. The most important is to use start strings (^) otherwise it will give false results in real world!

JCB ^(?:2131|1800|35)[0-9]{0,}$ Start with: 2131, 1800, 35 (3528-3589)

American Express ^3[47][0-9]{0,}$ Start with: 34, 37

Diners Club ^3(?:0[0-59]{1}|[689])[0-9]{0,}$ Start with: 300-305, 309, 36, 38-39

Visa ^4[0-9]{0,}$ Start with: 4

MasterCard ^(5[1-5]|222[1-9]|22[3-9]|2[3-6]|27[01]|2720)[0-9]{0,}$ Start with: 2221-2720, 51-55

Maestro ^(5[06789]|6)[0-9]{0,}$ Maestro always growing in the range: 60-69, started with / not something else, but starting 5 must be encoded as mastercard anyway. Maestro cards must be detected in the end of the code because some others has in the range of 60-69. Please look at the code.

Discover ^(6011|65|64[4-9]|62212[6-9]|6221[3-9]|622[2-8]|6229[01]|62292[0-5])[0-9]{0,}$ Discover quite difficult to code, start with: 6011, 622126-622925, 644-649, 65

In javascript I use this function. This is good when u assign it to an onkeyup event and it give result as soon as possible.

function cc_brand_id(cur_val) {
  // the regular expressions check for possible matches as you type, hence the OR operators based on the number of chars
  // regexp string length {0} provided for soonest detection of beginning of the card numbers this way it could be used for BIN CODE detection also

  //JCB
  jcb_regex = new RegExp('^(?:2131|1800|35)[0-9]{0,}$'); //2131, 1800, 35 (3528-3589)
  // American Express
  amex_regex = new RegExp('^3[47][0-9]{0,}$'); //34, 37
  // Diners Club
  diners_regex = new RegExp('^3(?:0[0-59]{1}|[689])[0-9]{0,}$'); //300-305, 309, 36, 38-39
  // Visa
  visa_regex = new RegExp('^4[0-9]{0,}$'); //4
  // MasterCard
  mastercard_regex = new RegExp('^(5[1-5]|222[1-9]|22[3-9]|2[3-6]|27[01]|2720)[0-9]{0,}$'); //2221-2720, 51-55
  maestro_regex = new RegExp('^(5[06789]|6)[0-9]{0,}$'); //always growing in the range: 60-69, started with / not something else, but starting 5 must be encoded as mastercard anyway
  //Discover
  discover_regex = new RegExp('^(6011|65|64[4-9]|62212[6-9]|6221[3-9]|622[2-8]|6229[01]|62292[0-5])[0-9]{0,}$');
  ////6011, 622126-622925, 644-649, 65


  // get rid of anything but numbers
  cur_val = cur_val.replace(/\D/g, '');

  // checks per each, as their could be multiple hits
  //fix: ordering matter in detection, otherwise can give false results in rare cases
  var sel_brand = "unknown";
  if (cur_val.match(jcb_regex)) {
    sel_brand = "jcb";
  } else if (cur_val.match(amex_regex)) {
    sel_brand = "amex";
  } else if (cur_val.match(diners_regex)) {
    sel_brand = "diners_club";
  } else if (cur_val.match(visa_regex)) {
    sel_brand = "visa";
  } else if (cur_val.match(mastercard_regex)) {
    sel_brand = "mastercard";
  } else if (cur_val.match(discover_regex)) {
    sel_brand = "discover";
  } else if (cur_val.match(maestro_regex)) {
    if (cur_val[0] == '5') { //started 5 must be mastercard
      sel_brand = "mastercard";
    } else {
      sel_brand = "maestro"; //maestro is all 60-69 which is not something else, thats why this condition in the end
    }
  }

  return sel_brand;
}

Here you can play with it:

http://jsfiddle.net/upN3L/69/

For PHP use this function, this detects some sub VISA/MC cards too:

    /**
 * Obtain a brand constant from a PAN 
 *
 * @param type $pan               Credit card number
 * @param type $include_sub_types Include detection of sub visa brands
 * @return string
 */
public static function getCardBrand($pan, $include_sub_types = false)
{
    //maximum length is not fixed now, there are growing number of CCs has more numbers in length, limiting can give false negatives atm

    //these regexps accept not whole cc numbers too
    //visa        
    $visa_regex = "/^4[0-9]{0,}$/";
    $vpreca_regex = "/^428485[0-9]{0,}$/";
    $postepay_regex = "/^(402360|402361|403035|417631|529948){0,}$/";
    $cartasi_regex = "/^(432917|432930|453998)[0-9]{0,}$/";
    $entropay_regex = "/^(406742|410162|431380|459061|533844|522093)[0-9]{0,}$/";
    $o2money_regex = "/^(422793|475743)[0-9]{0,}$/";

    // MasterCard
    $mastercard_regex = "/^(5[1-5]|222[1-9]|22[3-9]|2[3-6]|27[01]|2720)[0-9]{0,}$/";
    $maestro_regex = "/^(5[06789]|6)[0-9]{0,}$/"; 
    $kukuruza_regex = "/^525477[0-9]{0,}$/";
    $yunacard_regex = "/^541275[0-9]{0,}$/";

    // American Express
    $amex_regex = "/^3[47][0-9]{0,}$/";

    // Diners Club
    $diners_regex = "/^3(?:0[0-59]{1}|[689])[0-9]{0,}$/";

    //Discover
    $discover_regex = "/^(6011|65|64[4-9]|62212[6-9]|6221[3-9]|622[2-8]|6229[01]|62292[0-5])[0-9]{0,}$/";

    //JCB
    $jcb_regex = "/^(?:2131|1800|35)[0-9]{0,}$/";

    //ordering matter in detection, otherwise can give false results in rare cases
    if (preg_match($jcb_regex, $pan)) {
        return "jcb";
    }

    if (preg_match($amex_regex, $pan)) {
        return "amex";
    }

    if (preg_match($diners_regex, $pan)) {
        return "diners_club";
    }

    //sub visa/mastercard cards
    if ($include_sub_types) {
        if (preg_match($vpreca_regex, $pan)) {
            return "v-preca";
        }
        if (preg_match($postepay_regex, $pan)) {
            return "postepay";
        }
        if (preg_match($cartasi_regex, $pan)) {
            return "cartasi";
        }
        if (preg_match($entropay_regex, $pan)) {
            return "entropay";
        }
        if (preg_match($o2money_regex, $pan)) {
            return "o2money";
        }
        if (preg_match($kukuruza_regex, $pan)) {
            return "kukuruza";
        }
        if (preg_match($yunacard_regex, $pan)) {
            return "yunacard";
        }
    }

    if (preg_match($visa_regex, $pan)) {
        return "visa";
    }

    if (preg_match($mastercard_regex, $pan)) {
        return "mastercard";
    }

    if (preg_match($discover_regex, $pan)) {
        return "discover";
    }

    if (preg_match($maestro_regex, $pan)) {
        if ($pan[0] == '5') {//started 5 must be mastercard
            return "mastercard";
        }
            return "maestro"; //maestro is all 60-69 which is not something else, thats why this condition in the end

    }

    return "unknown"; //unknown for this system
}