Use the Stripe API to perform a "$0 or $1 authorization". This verifies the CVV and expiration date with the bank.

return ($sum % 10 == 0);

return ($sum % 10 == 0);

// Validate all card details public function validate() return [ 'valid_number' => $this->validateNumber(), 'valid_date' => $this->validateExpiry(), 'valid_cvv' => $this->validateCVV(), 'card_type' => $this->getCardType(), 'is_valid' => $this->isValid() ];

When building or using a credit card validation tool, security and compliance are paramount. Never Store Raw Data

: Detecting the Bank Identification Number to determine the card issuer (Visa, Mastercard, Amex).

Do you need assistance setting up or PCI-compliant hosting requirements ? Share public link

try $charge = \Stripe\Charge::create([ 'amount' => 1000, 'currency' => 'usd', 'source' => $_POST['stripeToken'], 'description' => 'Test Charge' ]);

return 'Unknown';

Ensure all requests are transmitted over secure HTTPS. 5. Taking it Further: API-Based Checking

return $stmt->execute([ ':hash' => $cardHash, ':type' => $cardType, ':bin' => $bin, ':valid' => $isValid ? 1 : 0, ':ip' => $ipAddress ]);