Free payment tools

Look up a card's issuer, check a card number for typos, and work out what a chargeback really costs. Free, no account, and built so your card details stay private.

100% free
No sign-up
Runs in your browser
Works on mobile

The tools

Pick a tool

Lookup

BIN Checker

Look up the issuing bank, card brand, type, and country from the first 6-8 digits of a card number.

Card network, type and level
Issuing bank, country and currency
Prepaid or not, where known

Only the first 6 digits leave your device. Open tool

Check

Credit Card Validator

Check whether a credit card number is mathematically valid using the Luhn algorithm and detect the card brand instantly.

Luhn checksum, step by step
Correct length for the network
Network and security-code length

Runs entirely in your browser. Open tool

Calculate

Chargeback vs Refund Calculator

Compare the true cost of issuing a refund versus accepting a chargeback, including fees and lost processing charges.

Refund vs won vs lost chargeback
Expected cost at your win rate
Ratio vs Visa and Mastercard limits

Runs entirely in your browser. Open tool

Not sure?

Which tool do I need?

Start from what is happening, and we'll point you to the right tool.

A merchant keeps declining my card See whether the card is prepaid and which country it was issued in, two common reasons merchants refuse a card. BIN checker → A site says my card number is invalid Check for a typo: the validator shows whether the number passes the Luhn check and has the right length. Card validator → A customer is disputing a payment Compare refunding now with fighting the chargeback, including fees, goods and staff time. Chargeback calculator → An order looks suspicious Compare the card's issuing country with the customer's address and IP location before you ship. BIN checker → I'm testing a checkout form Run published test card numbers through the validator to confirm your form accepts and rejects the right ones. Card validator → My chargeback rate is climbing Enter a month of payments and disputes to see your ratio against the card network limits. Ratio checker →

Privacy

Built so your card details stay yours

Card tools should not need your card. The validator and the chargeback calculator are plain JavaScript that runs on your device, so nothing you type is sent anywhere.

The BIN checker needs a bank database, so it sends the first 6 digits of the number, the part shared by every card in that range. It never asks for, and never sends, a full card number, expiry date or CVV.

As with any website, only check your own card or published test numbers.

What each tool sends

Card validator: Nothing
Chargeback calculator: Nothing
BIN checker: First 6 digits

FAQ

About the tools

Looking for a card that works with a particular merchant or country?

Browse virtual cards

Are these tools free?

Yes. All of the tools are free to use, with no account and no limit on how often you use them.

Do you store the card numbers I enter?

No. The card validator and chargeback calculator run entirely in your browser, so nothing you type is sent to us. The BIN checker only sends the first 6 digits, which identify a card range rather than a person, and never asks for a full card number, expiry date or CVV.

What is the difference between the BIN checker and the card validator?

The BIN checker looks up who issued a card from its first 6 to 8 digits. The card validator checks whether a full card number is correctly formed. Neither can tell whether a card is active or has funds; only the issuing bank knows that.

Who are the tools for?

Shoppers checking their own card, online merchants screening orders and handling disputes, and developers testing payment forms.

Can I use the tools on my phone?

Yes. Every tool works in a mobile browser, with nothing to install.