What this validator checks
- Card network: the first digits (IIN/BIN) show who issued the card scheme — 4 is Visa, 51–55 and 2221–2720 are Mastercard, 34/37 is American Express.
- Length: each network uses fixed lengths, for example 15 digits for Amex and 16 for most Mastercard cards.
- Luhn checksum: the last digit is calculated from the others. A single typo or swapped digits almost always breaks it, which is why checkout forms catch mistakes instantly.
What it cannot tell you
A valid number is only well-formed. Whether the card is active, has a balance or will be accepted by Google Ads or Meta depends on the issuer and the merchant. If your card is declined, our guides on virtual cards for Facebook ads and for Google Ads explain the usual reasons. New to virtual cards? Start with what a virtual credit card is.