On 16 Jul 2001, Dr. Evil wrote:

> I'm wondering if anyone can refer me to a site that describes what
> this format is, so I can write some PHP code that will check to see if
> a credit card number format is correct.  I don't even want to try to
> run the card through my merchant account if the format is obviously
> wrong.  I assume that banks check the rejection rate on their merchant
> accounts, and too many bogus cards would not look good.

My suggestion is to run an authorization for an extremely small amount of money
($1.00 is fairly standard) and that will tell you if the account is valid or
not. Doing validation yourself implies a fully-publicly-understood credit card
numbering system and also commits you to keeping on top of changes to that
numbering system. All credit cards today may be 15-16 digits. What if they are
20 in the future? What if they're 14? Allowing the processor to worry about
this means less maintenance on your code later and removes some entropy from
your system.



John Donagher
Application Engineer
Intacct Corp. - Powerful Accounting on the Web
720 University Ave.
Los Gatos CA 95032

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