ⓘ About the Luhn Algorithm
This validator uses the Luhn algorithm (mod 10) to verify credit card numbers:
- Step 1: Starting from the right, double every second digit
- Step 2: If doubling results in a two-digit number, add the digits together
- Step 3: Sum all the digits in the transformed number
- Step 4: If the total modulo 10 equals 0, the card number is valid
This algorithm helps detect typos and invalid card numbers without contacting payment processors.