True Validator
Secure, instant validation for credit cards and bank accounts. Verify your financial information with confidence.
- Checking routing number...
- Checking account number format...
Valid Bank Account
| Field | Value |
|---|---|
| Bank Name | Loading... |
| Bank Address | Loading... |
| ACH Transfer | Supported |
| Wire Transfer | Supported |
Why Use True Validator?
True Validator provides secure, instant validation tools to help individuals and businesses verify financial information quickly and accurately. Our tools help prevent errors, reduce fraud risk, and ensure smooth financial transactions.
Secure Validation
We never store your financial data. All validations happen in real-time and are immediately discarded.
Instant Results
Get immediate feedback on card and account validity with our advanced validation algorithms.
Fraud Prevention
Detect potentially fraudulent card numbers and account information before processing payments.
Mobile Friendly
Access our validation tools from any device with our responsive, mobile-optimized design.
How Our Validation Tools Work
Card Number Validation
Our card validator uses the Luhn algorithm (also known as the modulus 10 algorithm) to verify the basic structural integrity of credit and debit card numbers. This mathematical formula is used worldwide by financial institutions to validate card numbers.
In addition to the Luhn check, our system:
- Identifies the card issuer (Visa, Mastercard, American Express, etc.) based on the Bank Identification Number (BIN)
- Verifies the appropriate length for each card type
- Detects common input errors and formatting issues
Bank Account Validation
Our account validator checks both routing numbers and account numbers to ensure they follow proper formatting standards and correspond to valid financial institutions.
The validation process includes:
- Verifying routing number format and checksum
- Checking account number length and format requirements
- Identifying the financial institution associated with the routing number
- Confirming support for ACH and wire transfers
What the Results Mean:
A valid result means the number passes format checks but does not guarantee the card is active or has funds. Always confirm with your issuer. For more on fraud prevention, check our blog article on BIN Checkers.
Privacy Policy
Last Updated: October 03, 2025
At True Validator, we respect your privacy and are committed to keeping your information safe. This Privacy Policy explains what information we collect, how we use it, and — most importantly — what we do not collect.
1. General Overview
True Validator is an online tool designed to check and validate card numbers and account numbers. We are not a bank, payment processor, or financial institution. Our service is provided only as a validation utility for informational purposes.
The core principle of our Privacy Policy is simple:
👉 We do not collect, store, or share any card numbers, account numbers, or personal financial information you enter on our site.
2. What Information We Collect
We keep our data collection to the absolute minimum.
(a) Information You Enter
Card numbers, account numbers, or any financial identifiers you input are processed instantly for validation and then discarded immediately.
These numbers are never stored in a database, log file, or backup.
(b) Technical Information
Like most websites, some limited technical information may be automatically collected, such as:
Your IP address (for basic security checks)
Browser type and version
Device type (desktop, tablet, mobile)
Operating system
General usage data (e.e.g., number of visits, time spent on pages)
This information is standard for all websites and helps us keep the site secure and working properly. It cannot be used to identify you personally.
3. Cookies and Analytics
We may use basic cookies to remember simple preferences (such as language or theme).
Analytics tools may be used to understand general traffic patterns (e.g., number of visitors per day).
These cookies and analytics do not track, record, or save any financial data you enter.
You can disable cookies in your browser settings at any time without affecting the core functionality of our service.
4. How We Use Data
Any limited technical data we collect is used only to:
Improve site functionality and reliability
Monitor traffic to keep our service running smoothly
Prevent abuse, fraud, or misuse of the website
Ensure security and performance
We do not use your data for marketing, profiling, or advertising.
5. Data Retention
Financial data (card/account numbers): Not stored at all. Processed in real time, discarded instantly.
Technical data (logs, traffic statistics): May be kept for a short period to monitor performance and security, but not tied to individual users.
6. Security Measures
We take your privacy and security seriously:
The website is protected by HTTPS encryption.
No financial data is saved on our servers.
We monitor for suspicious activity to prevent fraud or abuse.
That said, no system is completely risk-free. Always use our tool responsibly and avoid entering sensitive information on public or unsecured Wi-Fi networks.
7. Children's Privacy
Our service is intended for adults (18+). We do not knowingly collect data from children. If you are under 18, please do not use our website.
8. Third-Party Links
Our site may contain links to third-party websites. We are not responsible for the privacy policies or practices of other websites. Please review their policies before providing any personal information.
9. Changes to This Privacy Policy
We may update this Privacy Policy as needed to reflect changes in the law, technology, or our practices. Any updates will be posted here with the "Last Updated" date revised.
11. Contact Us
If you have questions about this Privacy Policy, please contact us:
📧 Email: kudelacynthia@gmail.com
Terms & Conditions
Last Updated: October 03, 2025
Welcome to True Validator. These Terms and Conditions outline the rules for using our website. By using our site, you accept these Terms in full.
1. About Our Service
True Validator provides online tools to validate card numbers and account numbers.
The service is free to use.
It is designed for informational purposes only.
We are not a bank, payment processor, or financial institution.
2. No Data Storage
We do not save or record the card/account numbers entered on our site.
Validation is done instantly, and the information is discarded after processing.
You remain fully responsible for the data you choose to enter.
3. Eligibility
By using this website, you confirm that:
You are at least 18 years old.
You will not use the service for illegal, fraudulent, or harmful purposes.
4. Acceptable Use
You agree not to:
Use True Validator for fraudulent or criminal activity.
Attempt to hack, disrupt, or damage the website.
Misuse the service for identity theft, phishing, or financial crimes.
Use automated tools (bots, scrapers) to overload or misuse the site.
5. Accuracy of Results
We work hard to make True Validator accurate, but we cannot guarantee that every validation will be 100% correct.
Results are for general informational purposes.
Always confirm information directly with your bank or financial institution.
We are not responsible for decisions you make based on our validation tool.
6. Disclaimer of Warranties
The website is provided "as is" and "as available."
We do not guarantee uninterrupted access or error-free results.
We make no warranties about accuracy, reliability, or fitness for a particular purpose.
You use the site at your own risk.
7. Limitation of Liability
To the fullest extent permitted by law:
True Validator is not liable for any direct, indirect, incidental, or consequential damages.
We are not responsible for financial losses, errors, or problems that may arise from using our service.
Your reliance on the results is entirely at your own risk.
8. Intellectual Property
All design, content, branding, and functionality belong to True Validator.
You may not copy, reproduce, or distribute any part of the website without permission.
9. Termination of Use
We reserve the right to suspend or block access to the site if you violate these Terms or misuse the service.
10. Governing Law
These Terms are governed by the laws of USA/New York. Any disputes will be handled in the courts of that jurisdiction.
11. Updates to Terms
We may update these Terms and Conditions occasionally. The revised version will be posted here with the updated date. Continued use of the site means you accept the new Terms.
12. Contact Us
For questions about these Terms, please contact us:
📧 Email: kudelacynthia@gmail.com 📞 Business Inquiries: +1 (314) 947-6823
About Us
📓 About Us
Welcome to True Validator — the home of the True Validator, a fast, reliable, and secure tool designed to help you validate card numbers and bank account details with absolute confidence.
In today's digital era, accuracy and trust are everything. Whether you are an individual double-checking your payment card, a small business owner verifying client information, or a company ensuring secure financial transactions, mistakes can cost time, money, and trust. That's where True Validator steps in.
Our mission is simple yet powerful: to make financial validation easy, accurate, and completely secure. We use industry-standard algorithms and advanced verification methods to provide instant results without storing or misusing your sensitive information. Every validation you perform is quick, private, and designed to give you peace of mind.
At True Validator, we believe that:
● Trust begins with transparency. That's why our validator is straightforward, with no hidden tricks or data collection.
● Accuracy saves lives and businesses. A simple error in a card or account number can lead to failed transactions, lost opportunities, or even fraud. Our tool helps prevent those risks.
● Security is not optional. We designed the True Validator with privacy-first principles, ensuring that your information remains safe every step of the way.
But True Validator is more than just a tool — it's a platform built for people who value clarity, speed, and confidence in their financial interactions. We don't just provide validation; we provide assurance.
Whether you're validating a single card or checking multiple accounts, True Validator is here to support you every step of the way. We're constantly improving, adding features, and building resources (like our blog) to keep you informed and protected in the fast-moving digital finance world.
With True Validator, you're not just verifying numbers — you're verifying trust.
Our Team and Expertise
We are a team of financial technology experts with over 10 years of combined experience in banking, cybersecurity, and software development. Our founder, Cynthia Kudela, has a background in fintech consulting, having worked with major banks to implement secure validation systems. We are passionate about empowering users with tools that promote financial safety, drawing from real-world knowledge to create reliable solutions.
Contact Us
☎️ Contact Us
At True Validator, we believe that building trust starts with being accessible. Whether you have questions about how our validation system works, need help navigating the platform, or simply want to share your thoughts, our team is always ready to listen.
Your feedback helps us grow, and we value every message we receive. By reaching out, you're not just contacting us—you're contributing to the improvement of a tool that thousands of people rely on to make safe, accurate, and reliable financial decisions.
Our support team is committed to providing timely and helpful responses. Whether you are an individual looking to quickly validate a card number or a business seeking more efficient account verification, we're here to ensure your experience with True Validator is smooth and worry-free.
We strive to respond within 24–48 hours, because your time and security matter to us. Don't hesitate to get in touch—your questions are important, and your trust is our priority.
At True Validator, every interaction matters. Let us know how we can help, and together, we'll make financial verification smarter, safer, and simpler for everyone.
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True Validator Blog
🕮 Latest Financial Validation Insights
Welcome to the True Validator blog, where we share expert insights on financial security, validation techniques, and industry trends to help you make safer financial decisions.
Understanding the Luhn Algorithm: The Math Behind Card Validation
The Luhn algorithm, also known as the "modulus 10" algorithm, is a simple checksum formula used to validate various identification numbers, most notably credit card numbers. Developed by IBM scientist Hans Peter Luhn in 1954, this mathematical formula has become the standard for initial card number validation worldwide.
Here's how it works:
- Starting from the rightmost digit (the check digit), move left, doubling the value of every second digit
- If doubling results in a number greater than 9, subtract 9 from the product
- Sum all the digits together
- If the total modulo 10 equals 0, the number is valid according to the Luhn formula
While the Luhn algorithm is excellent at catching common data entry errors, it's important to remember that it only validates the mathematical structure of a card number - not whether the card is active, has available credit, or belongs to the person using it.
"The Luhn algorithm catches approximately 90% of common transposition errors, making it an essential first line of defense in payment processing systems."
BIN Numbers: What They Reveal About Your Credit Card
The first 6-8 digits of a credit card number are known as the Bank Identification Number (BIN) or Issuer Identification Number (IIN). These digits contain valuable information about the card, including:
- Issuing Bank or Institution: The specific bank or financial company that issued the card
- Card Type: Whether it's a credit, debit, or prepaid card
- Card Level: Standard, gold, platinum, or other tiers
- Country of Issue: The country where the issuing bank is located
BIN databases are regularly updated as new banks form, merge, or begin issuing cards. Our validation tool uses current BIN data to provide accurate card type identification and preliminary validation.
Businesses can use BIN information to:
- Detect potential fraud by identifying mismatches between card origin and customer location
- Route transactions to appropriate payment processors
- Apply regional pricing or restrictions
- Gather analytics on customer payment preferences
Bank Routing Numbers: The Backbone of US Financial Transactions
Routing numbers, also known as ABA routing numbers or RTNs, are nine-digit codes used in the United States to identify financial institutions. They were developed by the American Bankers Association in 1910 to facilitate check processing, but today they're used for a wide variety of transactions including direct deposits, bill payments, and wire transfers.
The structure of a routing number tells a story:
- Digits 1-4: Federal Reserve routing symbol
- Digits 5-6: ABA institution identifier
- Digits 7-8: Check digit (calculated using a special formula)
- Digit 9: The final digit is a checksum used for validation
Large banks may have multiple routing numbers based on the state where an account was opened or the type of transaction being processed. For example, Bank of America has different routing numbers for wire transfers versus ACH transactions, even for accounts in the same state.
Our routing number validator checks both the format and the checksum to ensure the number is mathematically valid, then cross-references it with current banking data to confirm the associated financial institution.
Account Number Validation: Beyond Basic Format Checking
While routing numbers follow a standardized format in the US, account numbers vary significantly between financial institutions. They can range from 6 to 17 digits, with each bank implementing its own numbering system. However, there are still important validation checks that can be performed:
- Length Validation: Ensuring the account number falls within the standard 6-17 digit range
- Format Checking: Verifying the account number contains only numeric characters
- Institution-Specific Patterns: Some banks use identifiable patterns in their account numbering
- Check Digit Validation: Some institutions implement their own checksum systems
It's important to note that account number validation alone cannot confirm whether an account exists, is active, or belongs to a specific individual. For actual transaction processing, additional verification through ACH prenote transactions or micro-deposits is typically required.
For businesses processing payments, implementing proper account validation can significantly reduce failed transactions and associated fees. Our validation tool provides the essential first step in this process.
International Card Schemes: Understanding Global Payment Networks
While Visa and Mastercard dominate the global payment landscape, several other major card schemes operate internationally, each with its own numbering patterns and validation requirements:
- American Express: 15-digit numbers starting with 34 or 37
- Discover: 16-digit numbers starting with 6011, 622126-622925, 644-649, or 65
- UnionPay: 16-19 digit numbers starting with 62
- JCB: 16-digit numbers starting with 3528-3589
- Diners Club: 14-digit numbers starting with 300-305, 36, or 38
Each card scheme has its own rules for transaction processing, fees, and chargeback procedures. Understanding these differences is crucial for businesses operating internationally.
Regional card schemes also play important roles in their home markets. For example, Cartes Bancaires in France, RuPay in India, and ELO in Brazil each have significant market share in their respective countries. While our current validation focuses on major international schemes, we're continuously working to expand our coverage of regional payment networks.
Fraud Prevention: How Validation Tools Fit Into Security Strategies
Financial validation tools like True Validator play an important role in comprehensive fraud prevention strategies, but it's crucial to understand both their capabilities and limitations.
What validation tools CAN do:
- Detect mistyped card or account numbers before transaction attempts
- Identify card types for proper transaction routing
- Flag obviously fake numbers that don't pass basic format checks
- Reduce failed transaction fees and customer service contacts
What validation tools CANNOT do:
- Determine if a card is stolen or being used fraudulently
- Verify that an account has sufficient funds
- Confirm the identity of the person using the card or account
- Check if a card is expired or canceled
For comprehensive fraud prevention, validation should be just one component of a multi-layered approach that also includes:
- Address Verification Service (AVS)
- Card Verification Value (CVV) checks
- 3D Secure authentication
- Behavioral analysis and machine learning
- Transaction velocity monitoring
By understanding where validation fits in the security landscape, businesses can implement more effective and balanced fraud prevention strategies.
More articles coming soon! Check back regularly for new content on financial validation and security.
Frequently Asked Questions
❓ Frequently Asked Questions
Find answers to the most common questions about True Validator and our financial validation services.
True Validator is a secure online tool that helps you validate credit card numbers and bank account information. Our system uses industry-standard algorithms like the Luhn algorithm to check if card numbers are structurally valid, and we verify routing numbers against official databases to ensure they correspond to legitimate financial institutions.
All validations happen in real-time, and we never store your financial data.
Yes, absolutely. We take your privacy and security seriously. When you use True Validator:
- We never store card numbers, account numbers, or any financial information you enter
- All validations happen in real-time and are immediately discarded
- We use HTTPS encryption to protect data in transit
- We don't track or profile users for advertising purposes
Your financial security is our top priority.
When True Validator reports a card or account as "valid," it means:
- The number passes format checks (correct length, proper structure)
- For cards: It passes the Luhn algorithm validation
- For routing numbers: It corresponds to a legitimate financial institution
Important: A "valid" result does not guarantee the card or account is active, has funds, or belongs to you. Always confirm with your financial institution before making transactions.
Yes! Many businesses use True Validator to:
- Reduce payment errors by validating customer card information
- Minimize chargebacks and failed transactions
- Verify bank account details before processing payments
- Improve data quality in financial systems
Our tools can help businesses save time and reduce financial errors. For high-volume use cases, please contact us for custom solutions.
There are several reasons why a legitimate card might show as invalid:
- Typing errors or incorrect formatting
- Card type not currently supported by our validator
- New card formats or issuers we haven't yet added to our system
- Temporary technical issues
If you believe a card should be valid but our tool shows it as invalid, please double-check the number and try again. If the issue persists, contact your card issuer directly.
Yes, our card validator works with international card numbers from major issuers worldwide, including Visa, Mastercard, American Express, Discover, UnionPay, JCB, and others.
Our bank account validation currently focuses on US routing numbers, but we're working to expand support for international bank codes in future updates.
For individual users, there are no strict limits on the number of validations you can perform. However, to ensure fair usage and prevent abuse, we may implement reasonable rate limiting for extremely high-volume usage.
If you need to perform a large number of validations for business purposes, please contact us to discuss your needs.
We strive for 100% accuracy, but no validation system is perfect. If you believe our tool is providing incorrect results:
- Double-check the number you entered for typos
- Try the validation again to rule out temporary issues
- Contact us with details about the specific number and the issue you're experiencing
Your feedback helps us improve our validation algorithms and provide better service to all users.
No, True Validator cannot detect if a card is stolen, blocked, or being used fraudulently. Our validation only checks if a card number is structurally valid according to industry standards.
For fraud detection, you would need specialized services that check against databases of reported stolen cards or use behavioral analysis. Our tool is designed to catch formatting errors and invalid numbers, not to identify criminal activity.
We regularly update our validation systems and databases:
- Card validation algorithms are updated as new card formats emerge
- Bank routing number databases are updated regularly as new banks form or merge
- We monitor industry changes and implement updates promptly
If you notice outdated information, please contact us so we can investigate and update our systems.
Still have questions? Contact our support team for personalized assistance.
Disclaimer
Last Updated: October 03, 2025
Important Notice
Please read this Disclaimer carefully before using the True Validator website and services. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.
1. Informational Purpose Only
True Validator is provided for informational and educational purposes only. Our validation tools are designed to help users verify the structural integrity and format of card numbers and bank account information. The results provided by our service should not be considered financial, legal, or professional advice.
2. No Guarantee of Accuracy
While we strive to provide accurate and reliable validation results, we cannot guarantee that our service is 100% error-free. Financial institution databases change regularly, and new card formats are introduced. There may be instances where:
- Valid cards are incorrectly flagged as invalid
- Invalid cards pass our validation checks
- Bank information is outdated or incomplete
You should always verify important financial information directly with the relevant financial institutions.
3. No Financial Services Provided
True Validator is not a financial institution, payment processor, or banking service. We do not:
- Process transactions or transfers
- Hold or manage funds
- Provide banking or financial advice
- Verify account balances or transaction capabilities
4. No Liability for Financial Decisions
True Validator, its owners, employees, and affiliates shall not be held liable for any financial losses, damages, or consequences resulting from:
- Reliance on our validation results
- Errors or inaccuracies in our validation algorithms
- Technical issues or service interruptions
- Decisions made based on information provided by our service
Users assume all responsibility for financial decisions made after using our service.
5. No Warranty
Our service is provided "as is" and "as available" without any warranties, express or implied. We disclaim all warranties including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
6. Security Limitations
While we implement security measures to protect user data, no online service can guarantee complete security. Users should:
- Avoid entering sensitive financial information on public or unsecured networks
- Use antivirus and security software on their devices
- Regularly monitor their financial accounts for suspicious activity
7. Third-Party Reliance
Our service may rely on third-party data sources and APIs for certain validation functions. We are not responsible for the accuracy, timeliness, or completeness of information provided by third parties.
8. No Endorsement
Reference to any specific financial institution, card issuer, or commercial product in our validation results does not constitute or imply endorsement, recommendation, or favoring by True Validator.
9. Jurisdictional Limitations
Our services may not be available or appropriate for use in all jurisdictions. Users are responsible for complying with local laws and regulations regarding financial information validation.
10. Changes to Disclaimer
We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the modified Disclaimer.
11. Acceptance of Terms
By using True Validator, you acknowledge that you have read this Disclaimer, understand its terms, and agree to be bound by them. If you do not agree with any part of this Disclaimer, you must discontinue use of our services immediately.
Contact Information
If you have questions about this Disclaimer, please contact us:
📧 Email: kudelacynthia@gmail.com