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

recently I needed such functionality, I was porting Zend Framework Credit Card Validator to ruby. ruby gem: https://github.com/Fivell/credit_card_validations zend framework: https://github.com/zendframework/zf2/blob/master/library/Zend/Validator/CreditCard.php

They both use INN ranges for detecting type. Here you can read about INN

According to this you can detect credit card alternatively (without regexps,but declaring some rules about prefixes and possible length)

So we have next rules for most used cards

########  most used brands #########

    visa: [
        {length: [13, 16], prefixes: ['4']}
    ],
    mastercard: [
        {length: [16], prefixes: ['51', '52', '53', '54', '55']}
    ],

    amex: [
        {length: [15], prefixes: ['34', '37']}
    ],
    ######## other brands ########
    diners: [
        {length: [14], prefixes: ['300', '301', '302', '303', '304', '305', '36', '38']},
    ],

    #There are Diners Club (North America) cards that begin with 5. These are a joint venture between Diners Club and MasterCard, and are processed like a MasterCard
    # will be removed in next major version

    diners_us: [
        {length: [16], prefixes: ['54', '55']}
    ],

    discover: [
        {length: [16], prefixes: ['6011', '644', '645', '646', '647', '648',
                                  '649', '65']}
    ],

    jcb: [
        {length: [16], prefixes: ['3528', '3529', '353', '354', '355', '356', '357', '358', '1800', '2131']}
    ],


    laser: [
        {length: [16, 17, 18, 19], prefixes: ['6304', '6706', '6771']}
    ],

    solo: [
        {length: [16, 18, 19], prefixes: ['6334', '6767']}
    ],

    switch: [
        {length: [16, 18, 19], prefixes: ['633110', '633312', '633304', '633303', '633301', '633300']}

    ],

    maestro: [
        {length: [12, 13, 14, 15, 16, 17, 18, 19], prefixes: ['5010', '5011', '5012', '5013', '5014', '5015', '5016', '5017', '5018',
                                                              '502', '503', '504', '505', '506', '507', '508',
                                                              '6012', '6013', '6014', '6015', '6016', '6017', '6018', '6019',
                                                              '602', '603', '604', '605', '6060',
                                                              '677', '675', '674', '673', '672', '671', '670',
                                                              '6760', '6761', '6762', '6763', '6764', '6765', '6766', '6768', '6769']}
    ],

    # Luhn validation are skipped for union pay cards because they have unknown generation algoritm
    unionpay: [
        {length: [16, 17, 18, 19], prefixes: ['622', '624', '625', '626', '628'], skip_luhn: true}
    ],

    dankrot: [
        {length: [16], prefixes: ['5019']}
    ],

    rupay: [
        {length: [16], prefixes: ['6061', '6062', '6063', '6064', '6065', '6066', '6067', '6068', '6069', '607', '608'], skip_luhn: true}
    ]

}

Then by searching prefix and comparing length you can detect credit card brand. Also don't forget about luhn algoritm (it is descibed here http://en.wikipedia.org/wiki/Luhn).

Answer 2

Anatoliy's answer in PHP:

 public static function detectCardType($num)
 {
    $re = array(
        "visa"       => "/^4[0-9]{12}(?:[0-9]{3})?$/",
        "mastercard" => "/^5[1-5][0-9]{14}$/",
        "amex"       => "/^3[47][0-9]{13}$/",
        "discover"   => "/^6(?:011|5[0-9]{2})[0-9]{12}$/",
    );

    if (preg_match($re['visa'],$num))
    {
        return 'visa';
    }
    else if (preg_match($re['mastercard'],$num))
    {
        return 'mastercard';
    }
    else if (preg_match($re['amex'],$num))
    {
        return 'amex';
    }
    else if (preg_match($re['discover'],$num))
    {
        return 'discover';
    }
    else
    {
        return false;
    }
 }

Answer 3

Here is an example of some boolean functions written in Python that return True if the card is detected as per the function name.

def is_american_express(cc_number):
    """Checks if the card is an american express. If us billing address country code, & is_amex, use vpos
    https://en.wikipedia.org/wiki/Bank_card_number#cite_note-GenCardFeatures-3
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^3[47][0-9]{13}$', cc_number))


def is_visa(cc_number):
    """Checks if the card is a visa, begins with 4 and 12 or 15 additional digits.
    :param cc_number: unicode card number
    """

    # Standard Visa is 13 or 16, debit can be 19
    if bool(re.match(r'^4', cc_number)) and len(cc_number) in [13, 16, 19]:
        return True

    return False


def is_mastercard(cc_number):
    """Checks if the card is a mastercard. Begins with 51-55 or 2221-2720 and 16 in length.
    :param cc_number: unicode card number
    """
    if len(cc_number) == 16 and cc_number.isdigit():  # Check digit, before cast to int
        return bool(re.match(r'^5[1-5]', cc_number)) or int(cc_number[:4]) in range(2221, 2721)
    return False


def is_discover(cc_number):
    """Checks if the card is discover, re would be too hard to maintain. Not a supported card.
    :param cc_number: unicode card number
    """
    if len(cc_number) == 16:
        try:
            # return bool(cc_number[:4] == '6011' or cc_number[:2] == '65' or cc_number[:6] in range(622126, 622926))
            return bool(cc_number[:4] == '6011' or cc_number[:2] == '65' or 622126 <= int(cc_number[:6]) <= 622925)
        except ValueError:
            return False
    return False


def is_jcb(cc_number):
    """Checks if the card is a jcb. Not a supported card.
    :param cc_number: unicode card number
    """
    # return bool(re.match(r'^(?:2131|1800|35\d{3})\d{11}$', cc_number))  # wikipedia
    return bool(re.match(r'^35(2[89]|[3-8][0-9])[0-9]{12}$', cc_number))  # PawelDecowski


def is_diners_club(cc_number):
    """Checks if the card is a diners club. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^3(?:0[0-6]|[68][0-9])[0-9]{11}$', cc_number))  # 0-5 = carte blance, 6 = international


def is_laser(cc_number):
    """Checks if the card is laser. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^(6304|670[69]|6771)', cc_number))


def is_maestro(cc_number):
    """Checks if the card is maestro. Not a supported card.
    :param cc_number: unicode card number
    """
    possible_lengths = [12, 13, 14, 15, 16, 17, 18, 19]
    return bool(re.match(r'^(50|5[6-9]|6[0-9])', cc_number)) and len(cc_number) in possible_lengths


# Child cards

def is_visa_electron(cc_number):
    """Child of visa. Checks if the card is a visa electron. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^(4026|417500|4508|4844|491(3|7))', cc_number)) and len(cc_number) == 16


def is_total_rewards_visa(cc_number):
    """Child of visa. Checks if the card is a Total Rewards Visa. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^41277777[0-9]{8}$', cc_number))


def is_diners_club_carte_blanche(cc_number):
    """Child card of diners. Checks if the card is a diners club carte blance. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^30[0-5][0-9]{11}$', cc_number))  # github PawelDecowski, jquery-creditcardvalidator


def is_diners_club_carte_international(cc_number):
    """Child card of diners. Checks if the card is a diners club international. Not a supported card.
    :param cc_number: unicode card number
    """
    return bool(re.match(r'^36[0-9]{12}$', cc_number))  # jquery-creditcardvalidator

Answer 4

Here is a php class function returns CCtype by CCnumber.
This code not validates the card or not runs Luhn algorithm only try to find credit card type based on table in this page. basicly uses CCnumber length and CCcard prefix to determine CCcard type.

    <?php class CreditcardType
    {
   public static $creditcardTypes = array(
            array('Name'=>'American Express','cardLength'=>array(15),'cardPrefix'=>array('34', '37'))
            ,array('Name'=>'Maestro','cardLength'=>array(12, 13, 14, 15, 16, 17, 18, 19),'cardPrefix'=>array('5018', '5020', '5038', '6304', '6759', '6761', '6763'))
            ,array('Name'=>'Mastercard','cardLength'=>array(16),'cardPrefix'=>array('51', '52', '53', '54', '55'))
            ,array('Name'=>'Visa','cardLength'=>array(13,16),'cardPrefix'=>array('4'))
            ,array('Name'=>'JCB','cardLength'=>array(16),'cardPrefix'=>array('3528', '3529', '353', '354', '355', '356', '357', '358'))
            ,array('Name'=>'Discover','cardLength'=>array(16),'cardPrefix'=>array('6011', '622126', '622127', '622128', '622129', '62213',
                                        '62214', '62215', '62216', '62217', '62218', '62219',
                                        '6222', '6223', '6224', '6225', '6226', '6227', '6228',
                                        '62290', '62291', '622920', '622921', '622922', '622923',
                                        '622924', '622925', '644', '645', '646', '647', '648',
                                        '649', '65'))
            ,array('Name'=>'Solo','cardLength'=>array(16, 18, 19),'cardPrefix'=>array('6334', '6767'))
            ,array('Name'=>'Unionpay','cardLength'=>array(16, 17, 18, 19),'cardPrefix'=>array('622126', '622127', '622128', '622129', '62213', '62214',
                                        '62215', '62216', '62217', '62218', '62219', '6222', '6223',
                                        '6224', '6225', '6226', '6227', '6228', '62290', '62291',
                                        '622920', '622921', '622922', '622923', '622924', '622925'))
            ,array('Name'=>'Diners Club','cardLength'=>array(14),'cardPrefix'=>array('300', '301', '302', '303', '304', '305', '36'))
            ,array('Name'=>'Diners Club US','cardLength'=>array(16),'cardPrefix'=>array('54', '55'))
            ,array('Name'=>'Diners Club Carte Blanche','cardLength'=>array(14),'cardPrefix'=>array('300','305'))
            ,array('Name'=>'Laser','cardLength'=>array(16, 17, 18, 19),'cardPrefix'=>array('6304', '6706', '6771', '6709'))
    );     
        private function __construct() {}    
        public static function getType($CCNumber)
        {
            $CCNumber= trim($CCNumber);
            $type='Unknown';
            foreach (CreditcardType::$creditcardTypes as $card){
                if (! in_array(strlen($CCNumber),$card['cardLength'])) {
                    continue;
                }
                $prefixes = '/^('.implode('|',$card['cardPrefix']).')/';            
                if(preg_match($prefixes,$CCNumber) == 1 ){
                    $type= $card['Name'];
                    break;
                }
            }
            return $type;
        }
    } ?>

Answer 5

Here's Complete C# or VB code for all kinds of CC related things on codeproject.

• IsValidNumber
• GetCardTypeFromNumber
• GetCardTestNumber
• PassesLuhnTest

This article has been up for a couple years with no negative comments.

Answer 6

Just a little spoon feeding:

$("#CreditCardNumber").focusout(function () {


        var regVisa = /^4[0-9]{12}(?:[0-9]{3})?$/;
        var regMasterCard = /^5[1-5][0-9]{14}$/;
        var regAmex = /^3[47][0-9]{13}$/;
        var regDiscover = /^6(?:011|5[0-9]{2})[0-9]{12}$/;

        if (regVisa.test($(this).val())) {
            $("#CCImage").html("<img height='40px' src='@Url.Content("~/images/visa.png")'>");          

        }

        else if (regMasterCard.test($(this).val())) {
        $("#CCImage").html("<img height='40px' src='@Url.Content("~/images/mastercard.png")'>");

        }

        else if (regAmex.test($(this).val())) {

           $("#CCImage").html("<img height='40px' src='@Url.Content("~/images/amex.png")'>");

        }
         else if (regDiscover.test($(this).val())) {

           $("#CCImage").html("<img height='40px' src='@Url.Content("~/images/discover.png")'>");

        }
        else {
        $("#CCImage").html("NA");

        }

    });