The most secure way to "check" a card isn't through a standalone script, but through a payment gateway API. This is the only way to verify if a card has and isn't just a mathematically valid number.
Use code with caution. Copied to clipboard cc checker script php best
// WRONG $stmt = $pdo->prepare("INSERT INTO payments VALUES (:card_number)"); The most secure way to "check" a card
Use these for development only:
The following open-source tools are widely used for local validation of card numbers, CVCs, and expiration dates. inacho/php-credit-card-validator prepare("INSERT INTO payments VALUES (:card_number)")
For lightweight projects, developers often implement a custom function to iterate through the card digits, doubling every second digit and checking if the final sum is divisible by 10. Validated a Credit Card Number - php - Stack Overflow