How to validate a credit card?

To validate a credit card, you can use several methods to ensure its authenticity and reduce the risk of fraud:

• Luhn Algorithm: This is a standard checksum formula used to verify the structural validity of the card number.
• CVV Check: Verify the three-digit Card Verification Value printed on the back of the card.
• Bank Verification: Use official banking apps or secure payment gateways that perform real-time API-based checks with the issuing bank.
• Identity Match: Ensure the cardholder's name and billing address match the records held by the bank.