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02/02/2022 17:05 PM

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The Luhn algorithm or formula, sometimes called the Luhn Mod 10 algorithm or "Mod 10" for short, is a simple public domain formula used to validate a variety of identification numbers, such as credit card numbers. The algorithm can catch most, but not all, errors in card data entry.
Payment card issuers use the Luhn algorithm to create valid numbers, and so Authorize.Net can use the same algorithm to validate the numbers when submitted to our systems. However, the algorithm only checks to see if the card numbers are valid. It does not confirm that the card numbers were issued by a valid card issuer, nor does it confirm that the card numbers are currently associated with active accounts. It is therefore possible for a card number to be accepted by Authorize.Net but rejected by a payment processor when it tries to process a transaction against that card.
 
Also, because the Luhn algorithm is available to the public domain, it is possible to generate numbers that resemble card numbers and which pass Luhn algorithm checks, in an attempt to find valid and active card numbers for fraudulent or malicious purposes. The Payment Card Industry has taken steps to mitigate the risk, but it is important to make clear that the Luhn algorithm should be used by merchants only in conjunction with other means to help reduce credit card fraud, including but not limited to using the Address Verification Service (AVS) and the Advanced Fraud Detection Suite (AFDS).
 
Developers who are interested in using the Luhn algorithm in their website’s scripting should be directed to Internet resources explaining how to implement it. You can visit Luhn Algorithm page to find a good description of the basic algorithm  .


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