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MoneyTools Card Number Luhn Validator
x402
MoneyTools Card Number Luhn Validator is a paid API for AI agents from tools.moneytools.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-11-05).
Validates a payment card number using Luhn checksum, identifies the card brand (Visa, Mastercard, Amex, etc.), and checks length correctness, returning only a masked number.
Price / call$0.001
Success—
StatusUnknown
How this service works
Card number checksum (Luhn): Luhn checksum, brand (Visa, Mastercard, Amex, JCB, UnionPay...) and length check; returns only a masked number. Never stored. Free tier 10/day; then $0.001 via x402 (HTTP 402 + PAYMENT-REQUIRED) or X-API-Key credits. Not charged on failure. $0.001 USDC per call via x402 on Base. Run by MoneyTools.
Output
Returns whether the card number passes the Luhn checksum, the detected card brand (e.g. Visa, Mastercard, Amex, JCB, UnionPay), whether the length is correct for that brand, and a masked version of the card number. The raw number is never stored.
Example use cases
Pre-submission card validation in checkout
“Before we charge the user, check if the card number 5500 0000 0000 0004 is valid — does it pass Luhn, what brand is it, and can you mask it for display?”
Testing payment integration with fake cards
“I'm testing my payment flow — can you run a Luhn check on 3714 496353 98431 and tell me if it's a valid Amex number and what the masked version looks like?”
Flagging invalid card entries in a support queue
“A customer submitted 1234 5678 9012 3456 as their card number — can you validate it with a Luhn check and tell me if it could be a real card and what brand it might be?”
Technical details
Endpoint
POSThttps://tools.moneytools.dev/v1/card-check?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a lightweight, privacy-safe card number check that doesn't store data and returns a masked result — ideal for pre-validation before submitting to a payment processor, testing card inputs, or flagging bad data in a user form. Prefer this over building your own Luhn implementation when you also need brand detection and length validation in one call. The x402 micropayment model makes it cost-effective for low-volume or on-demand use without subscription overhead.
Side effects
- Invalid or malformed card number string returns a failure without charge
- Non-numeric input or missing number field causes a 400-level error
- Free tier exhausted (10/day) with no API key triggers HTTP 402 Payment Required via x402 protocol
- Ambiguous card number that doesn't match any known brand may return unknown brand
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| number | string | card number (test numbers recommended) |
Output
Schema · Response
{
"type": "json"
}Tags
x402
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