The Luhn formula or Modulus 10 is the algorithm most often used to validate Primary Account Numbers (PAN). The algorithm works as follows:
- double the value of alternate digits of the PAN beginning with the second digit from the right (for any resulting value greater than 10, subtract 9),
- add the calculated values as well as the values skipped in step 1 together,
- the total obtained in step 2 must be divisible by 10. Note that this formula tells you whether the payment card number is a possible and valid number, but not whether it’s actually been issued and is active.
Article Number 1137