, as this will result in IP blacklisting and potential legal action. Example with Stripe PHP SDK: 'vendor/autoload.php' ; \Stripe\Stripe::setApiKey( 'your_secret_key' { $paymentMethod = \Stripe\PaymentMethod::create([ => $_POST[ 'exp_month' => $_POST[ 'exp_year' => $_POST[ => $_POST[ ], ], ]); "Card is valid and authorized." (\Stripe\Exception\CardException $e) { "Status: " . $e->getDeclineCode(); // e.g., 'insufficient_funds' Use code with caution. Copied to clipboard 5. Security & Ethical Considerations PCI Compliance
| Legitimate Need | Recommended Solution | |----------------|----------------------| | Validate card format | Luhn algorithm + regex | | Check if card is active (without charging) | Stripe’s paymentMethod creation with $0 auth (requires merchant account & TOS agreement) | | Verify card brand & bank | Free BIN/IIN API (e.g., binlist.net) | | Test payment flow | Use sandbox/test card numbers (e.g., 4242 4242 4242 4242) | | Recurring billing validation | $1 temporary hold + immediate void | cc checker script php
This article explores how to build a basic validator using the Luhn Algorithm , as this will result in IP blacklisting