Below is a complete, object-oriented PHP class that handles both the Luhn algorithm calculation and Major Industry Identifier (MII) detection to determine the card issuer (Visa, Mastercard, Amex, etc.).

This report is for educational and defensive purposes only. Unauthorized credit card validation is a crime under international law. The author assumes no liability for misuse.

/** * Validate credit card number using Luhn algorithm */ public function luhnCheck($cardNumber)

to identify the card issuer (Visa, Mastercard, etc.) based on the first few digits, known as the Major Industry Identifier (MII). Starts with Mastercard: Starts with Starts with 3. Implementation Workflow

In legitimate contexts, such scripts are part of e-commerce platforms, form validation routines, or payment gateway integrations. They help reduce transaction failures, improve user experience, and catch typos before a charge is attempted.

Do you need a list of that verify card details without storing data?

: Ensure the number has the correct number of digits (usually 13–19).

$sum += $digit; "Valid $type" "Invalid Card" Use code with caution. Copied to clipboard Important Security & Ethics Note Offline vs. Online : This script only checks if a number is mathematically valid

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