Credit Card Numbers Validation and Generator

Credit Card Number and Debit Card Numbers format follow the standard format of ISO/IEC 7812 and it consists of up to 19 digits. The structure is as follows;

  • first 6 digits is Bank Identification Number (BIN) or Issuer Identification Number (IIN) while the first digit indicate Major Industry Identifier (MII).
  • the next 6 up to 12 digits indicate the individual account identifier.
  • the final single check digit calculated using the Luhn algorithm (MOD 10).

It is possible to check the credit card validity by checking the existance of Bank Identification Number (BIN) through FREE Online BIN Checker Services such as provided by This kind of web service normally has a complete BIN Database and BIN List and frequently updated.

The second method to check credit card number is via calculating the final check digit in the full credit card number through mathematical calculation by using Luhn algorithm (MOD 10). The easiest way to do this is via FREE Online Credit Card Checker Service.

While both method to validate credit card mentioned above works well, bear in mind that there is also a service to generate a valid but fake credit card number which normally called Credit Card Generator. This generator may defeat both validation methods. While the numbers generated in valid, there are no valid expiration date, card holder’s name and CVV number which make the purchase impossible.

JomPAY Payment Systems in Malaysia

Bank Negara launches JomPAY Payment Systems in April 2015 after a few month’s testing. The main purpose on the newly developed payment systems is to speed up e-payments and provides greater efficiency, convenience and accessibility for the public to make bill payments.

JomPAY provides a one-stop centre for consumers to make bill payments electronically anytime, anywhere and without any transaction fee. It will addresses the limitations of the current bank-centric model by establishing an open electronic bill payments platform.

With JomPAY, merchants only need to maintain a banking relationship with one bank, in order to receive bill payments from customers of all other banks.

Likewise, customers only need to maintain an account with one bank in order to make bill payments to the entire network of merchants registered with JomPAY. Customers will be able to pay any bill through the Internet or Mobile Banking service of Banks in Malaysia using funds from Savings, Current or Credit Card accounts for FREE.

How to make Bill Payments through JomPAY

  1. Look for the JomPAY logo, Biller Code and Reference Number (Ref-1, Ref-2) on your Bills or Invoices.
  2. Logon to Internet & Mobile Banking and look for JomPAY
  3. Enter the JomPAY Biller Code and Reference Number (Ref-1, Ref-2) with payment from your Current, Savings or Credit Card account.

If a JomPAY payment made before 17:00 on a Banking Business Day, the Biller will receive and recognize payment on the same day. If a JomPAY payment made after 17:00 on a Banking day or during weekend or public holiday, the Biller will receive payment on the next Banking Business Day.

Currently, JomPAY is avilable in the following banks – Affin Bank, Alliance Bank, Al-Rajhi Bank, Bank Islam, Bank of America, Bank of Tokyo – Mitsubishi UFJ, CIMB Bank, Citibank, Hong Leong Bank, HSBC Bank, Industrial and Commercial Bank of China (ICBC), Kuwait Finance House, Maybank, Public Bank, RHB Bank, Standard Chartered Bank and United Overseas Bank.

JomPAY will be avilable in the following banks soon – Agrobank, AmBank, Bank of China, Bank Rakyat, Bank Muamalat, Bank Simpanan Nasional, BNP Paribas, Deutsche Bank, JP Morgan Chase, Mizuho Corporate Bank, OCBC Bank, Scotiabank, The Royal Bank of Scotland and Sumitomo Mitsui Banking Corporation

JomPAY payments system is managed by MyClear (Malaysian Electronic Clearing Corporation Sdn Bhd), a wholly-owned subsidiary of Bank Negara, the Central Bank of Malaysia.