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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 other reason we made this are programmers testing ecommerce websites, applications or other software.
They usually need lots of fake data, and this is a very easy way to generate a bunch of valid credit card numbers in a split second.
To be completely clear and spell this out, these fake credit card numbers should not be used to try and purchase stuff.
They merely respect guidelines of a valid credit card number.
These identify the institution that issued the credit card to the card holder. Afterwards comes the account number, digit 7 to last minus one.
I advise you not not to try to use these for any actual transactions, only for testing purposes!
In order to complete a purchase a combination of data must be had, and merely a card number is not enough.
For more complete testing data you can make up an expiration dates, a card holder name and possibly an address with a zip code.
We choose not to provide this data but you can easily make up this information.