![]() The first digit of the card represents the category of industry (IIN) that issued your credit card. The check digit: The last digit is the check digit and is added to validate the authenticity of the credit card number (based on the Luhn algorithm).īank Identification Number (BIN) & Issuer Information Number (IIN) ranges.The account number: The number between the bank identification number and the check digit is 6 to 9 digits long and is used to identify the individual account number.The bank identification number: The first six digits are the bank identification number (BIN) or issuer identification number (IIN) to identify the issuer of the card.Autonomy of a Credit Card Number: 3 Parts to KnowĪ credit card number, for example: 1234567812345678, consists of 3 parts: ![]() We thought some clarification was needed so we will describe below what a PAN number is made of, what BIN ranges refer to, and how you can work out a Luhn check (also know as MOD10) and validate a credit card using pen and paper. When it comes to the anatomy of a credit card, we often get the same questions regarding the length of a PAN number, BIN ranges, and Luhn checks when dealing with cardholder data discovery projects.
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