How Payment Apps Verify Credit Card Numbers

In the digital world in which we now live, most monetary transactions are carried out online with the click of a button. Gone are the days where we could keep the safety and security of a transaction as simple as just handing over money in person.

Now with online stores selling all kinds of useful and necessary goods and services to keep a business at the forefront of tech or just so you can play the latest games with friends online, transactions are not just required but encouraged. To make sure these payments are legitimate, payment apps have to verify whether the credit card numbers used are real.

These payment apps can be used to make payments for goods and services. These apps are easy to use and available on all platforms. The applications are also secure, giving users full control over their financial transactions.

Why is credit card verification important?

Fraudsters use stolen credit card numbers to buy goods or services. As a result, the financial industry has put in place various security measures, like escrow systems to ensure that credit card numbers never get used for fraud. Whether you like it or not, society is full of people wanting to make money quickly and easily with no regard to the law and would not think twice of trying to cheat a system by using fake or stolen cards.

However, these security measures are not fool proof and they can be broken by hackers. This is why payment apps are now verifying the credit card number before giving it to the merchant. This will help prevent money from being stolen and should also make payments more secure.

How are credit card numbers generated?

Credit card numbers are created to adhere to the Luhn’s algorithm with a check digit added to either the end or beginning of the card number which is then checked when the algorithm is applied to the rest of the card number .The Luhn’s algorithm is a calculation used by all banks to generate unique credit and debit card numbers. It is also used by many other important businesses and government bodies for example the creation of IDs.

All real credit cards are connected to a credit account that when the card is checked by the algorithm can be accessed for the required transaction. This makes checking if the card follows the Luhn’s algorithm the key step and any fake cards created with random numbers will automatically fail.

What do payment apps use to recognise real cards?

Payment apps also use Luhn’s algorithm to check if credit cards are genuine as all real credit cards would have been created with it. However, it is only used to check the card numbers itself, but can not determine whether the card is connected to a bank account. For this, a merchant account has to be tied to the payment app and will be responsible to further verify bank details to complete the transaction, before finally moving funds from one bank account to another. 

Luhn’s algorithm also won’t catch price differences when you search for flights or compare products online, and is used for verification purposes only. It only detects simple errors and can therefore identify a valid card from an invalid one.

How do developers test payment apps if their security is up to the task?

Payment apps have to make sure their systems are up to task to guarantee safe and secure transactions so to test this they use credit card number generators. Developers use fake credit card numbers generated to do unlimited tests and validate processes on the front-end of a payment app, making sure that the app can catch any potential errors and inform the user, which then allows the user to know what information they need to correct.

Allfront’s credit card number generator is incredibly helpful for payment app developers as they have unlimited use as you can just generate new card numbers each time quickly and easily. Furthermore these fake card numbers put no one at risk as they aren’t connected to any credit account meaning companies can test their payment apps safely and securely without putting any money or peoples details at risk!

Additional security besides card verification

After recognising that a card is real, payment apps should still have multiple security tests to make sure the card is not stolen. With mobile payment apps such as Apple Pay, either a passcode or a thumb print is necessary to authorise a payment, with the latest phones being able to scan the user’s face to make sure the payment is genuine.

To use mobile banking apps many security systems are set up with regular updates on transactions sent to you so you can monitor all use by your credit card. Furthermore, often banks will acquire further confirmation for a transaction with one time codes being sent by text so the user can authorise the payment or if they hadn’t realised their cards being used quickly take action.