• VALID
  • INVALID
  • FORMAT
  • HUMAN

How to audit credit card numbers with your AI

Connect IBAN.com to your agent to run mathematical integrity checks on your payment data. Once connected, your AI handles the heavy lifting of validating number sequences.

Ask AI about this page

Short answer

How can I check if my credit card numbers are valid using AI?

Your AI uses the Luhn algorithm to verify the mathematical integrity of card numbers. It identifies typos or invalid sequences in your records. You'll see exactly which numbers pass and which fail.

Where your results land.

Outcome categories.

The AI categorizes every number it checks based on its mathematical validity.

VALID

Passed integrity check

The AI confirms the number follows the Luhn algorithm. These records are mathematically sound.

INVALID

Failed integrity check

The AI flags numbers that fail the checksum. These are likely typos or fake entries.

FORMAT

Formatting issues

The AI catches numbers that don't meet standard length or character requirements. It isolates these for your review.

HUMAN

Manual review needed

The AI flags ambiguous cases that require a person to decide if the error is a typo or a legitimate issue.

The workflow

What your AI does when the data arrives.

The AI acts as a filter, processing your raw data through a specific mathematical check.

  1. Data ingestion

    Your agent reads the credit card numbers from your provided source, such as a spreadsheet or a text file.

    validate_card_luhn

  2. Checksum execution

    The AI runs the Luhn algorithm against every number it finds to check for mathematical correctness.

    validate_card_luhn

  3. Error identification

    The AI isolates the specific numbers that fail the check and identifies why they are invalid.

    validate_card_luhn

  4. Reporting

    The AI presents a clean list of valid and invalid numbers for you to act on.

    validate_card_luhn

Try it

Copy these to start.

Use these prompts to kick off the audit process.

Starting points

Swap the bracketed text for your actual file names or data sources.

IBAN.com Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_GPwohmACjhw0UOUShwtHjIpm7vH8VBuaNXLuescF/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — IBAN.com capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "ibancom-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_GPwohmACjhw0UOUShwtHjIpm7vH8VBuaNXLuescF/mcp"
    }
  }
}
Copy into chat04

  • Run a Luhn check on the credit card numbers in my 'customer_list.csv' file.

  • Check the integrity of the payment numbers found in this Google Sheet.

  • Audit the credit card numbers in my recent transaction log and tell me which ones are invalid.

  • Scan the text in this document for any credit card numbers that fail the Luhn algorithm.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect IBAN.com once, then ask.

Just link the IBAN.com MCP to your client. Your credentials stay encrypted, and you can start auditing immediately.

Connect IBAN.com to your AI

FAQ

How this task behaves.

  • 01

    Does the AI check if the credit card is active?

    No. The AI only checks if the number is mathematically valid using the Luhn algorithm. It cannot check real-time bank status or card activation.

  • 02

    Can the AI fix the typos for me?

    No. The AI identifies which numbers are wrong, but it won't change your original files. You have to make the corrections yourself.

  • 03

    Can it validate expiration dates too?

    No. This specific task is limited to checking the integrity of the card number itself.

  • 04

    Will it delete any of my data?

    No. The AI only reads your data to perform the check. It has no capability to delete or modify your records.

  • 05

    Does it work with any file type?

    It works with any text-based data or spreadsheets your AI client can read and pass to the agent.

  • More questions about IBAN.com? See everything the IBAN.com Connector can do

Connect IBAN.com to Claude, Cursor, ChatGPT & more