@paybyrd/card-collect/src/utils/cardValidation.ts

Paybyrd's tool to aid in the creation of credit card info collect forms

type CardValidationResponse = {
	success: boolean;
	message?: string | null;
	type?: string | null;
};

const validateCardNumber = (number: string) => {
	//Check if the number contains only numeric value
	//and is of between 13 to 19 digits
	const regex = new RegExp('^[0-9]{13,19}$');
	return regex.test(number);
};

const luhnCheck = (val: string) => {
	let checksum = 0; // running checksum total
	let j = 1; // takes value of 1 or 2

	// Process each digit one by one starting from the last
	for (let i = val.length - 1; i >= 0; i--) {
		let calc = 0;
		// Extract the next digit and multiply by 1 or 2 on alternative digits.
		calc = Number(val.charAt(i)) * j;

		// If the result is in two digits add 1 to the checksum total
		if (calc > 9) {
			checksum = checksum + 1;
			calc = calc - 10;
		}

		// Add the units element to the checksum total
		checksum = checksum + calc;

		// Switch the value of j
		if (j == 1) {
			j = 2;
		} else {
			j = 1;
		}
	}

	//Check if it is divisible by 10 or not.
	return checksum % 10 == 0;
};

export const validateCreditCard = (cardnumber: string) => {
	//Error messages
	const ccErrors = [];
	ccErrors[0] = 'Unknown card type';
	ccErrors[1] = 'No card number provided';
	ccErrors[2] = 'Credit card number is in invalid format';
	ccErrors[3] = 'Credit card number is invalid';
	ccErrors[4] = 'Credit card number has an inappropriate number of digits';
	ccErrors[5] = 'Warning! This credit card number is associated with a scam attempt';

	//Response format
	function response(
		success: boolean,
		message: string | null = null,
		type: string | null = null
	): CardValidationResponse {
		return {
			message,
			success,
			type
		};
	}

	// Define the cards we support. You may add additional card types as follows.

	//  Name:         As in the selection box of the form - must be same as user's
	//  Length:       List of possible valid lengths of the card number for the card
	//  prefixes:     List of possible prefixes for the card
	//  checkdigit:   Boolean to say whether there is a check digit
	const cards = [];
	cards[0] = {
		name: 'Elo',
		length: '16',
		prefixes:
			'4011,4312,4389,4514,4573,5041,5066,5067,509,6277,6362,6363,6500,6504,6505,6507,6509,6516,6550',
		checkdigit: true
	};
	cards[1] = { name: 'Visa', length: '13,16', prefixes: '4', checkdigit: true };
	cards[2] = {
		name: 'MasterCard',
		length: '15,16',
		prefixes: '22,23,24,25,26,27,51,52,53,54,55',
		checkdigit: true
	};
	cards[3] = {
		name: 'DinersClub',
		length: '14,16',
		prefixes: '36,38,39,54,55',
		checkdigit: true
	};
	cards[4] = {
		name: 'CarteBlanche',
		length: '14',
		prefixes: '300,301,302,303,304,305',
		checkdigit: true
	};
	cards[5] = { name: 'AmEx', length: '15', prefixes: '34,37', checkdigit: true };
	cards[6] = { name: 'Discover', length: '16', prefixes: '6011,622,64,65', checkdigit: true };
	cards[7] = { name: 'JCB', length: '16,17,19', prefixes: '35', checkdigit: true };
	cards[8] = { name: 'enRoute', length: '15', prefixes: '2014,2149', checkdigit: true };
	cards[9] = { name: 'Solo', length: '16,18,19', prefixes: '6334,6767', checkdigit: true };
	cards[10] = {
		name: 'Switch',
		length: '16,18,19',
		prefixes: '4903,4905,4911,4936,564182,633110,6333,6759',
		checkdigit: true
	};
	cards[11] = {
		name: 'Maestro',
		length: '12,13,14,15,16,18,19',
		prefixes: '5018,5020,5038,6304,6759,6761,6762,6763',
		checkdigit: true
	};
	cards[12] = {
		name: 'VisaElectron',
		length: '16',
		prefixes: '4026,417500,4508,4844,4913,4917',
		checkdigit: true
	};
	cards[13] = {
		name: 'LaserCard',
		length: '16,17,18,19',
		prefixes: '6304,6706,6771,6709',
		checkdigit: true
	};
	cards[14] = {
		name: 'Hipercard',
		length: '16',
		prefixes: '384100,384140,384160,606282,637095,637599,637609,637612',
		checkdigit: true
	};
	cards[15] = {
		name: 'UnionPay',
		length: '16,17,18,19',
		prefixes: '62,81,88',
		checkdigit: false
	};

	// Ensure that the user has provided a credit card number
	if (cardnumber.length == 0) {
		return response(false, ccErrors[1]);
	}

	// Now remove any spaces from the credit card number
	// Update this if there are any other special characters like -
	cardnumber = cardnumber.replace(/\s/g, '');

	// Validate the format of the credit card
	if (!validateCardNumber(cardnumber)) {
		return response(false, ccErrors[2]);
	}

	// Check it's not a spam number
	if (cardnumber == '5490997771092064') {
		return response(false, ccErrors[5]);
	}

	// The following are the card-specific checks we undertake.
	let lengthValid = false;
	let prefixValid = false;
	let cardCompany = '';

	// Check if card belongs to any organization
	for (let i = 0; i < cards.length; i++) {
		const prefix = cards[i].prefixes.split(',');

		for (let j = 0; j < prefix.length; j++) {
			const exp = new RegExp('^' + prefix[j]);
			if (exp.test(cardnumber)) {
				prefixValid = true;
			}
		}

		if (prefixValid) {
			const lengths = cards[i].length.split(',');
			// Now see if its of valid length;
			for (let j = 0; j < lengths.length; j++) {
				if (cardnumber.length === Number(lengths[j])) {
					lengthValid = true;
				}
			}
		}

		if (lengthValid && prefixValid) {
			cardCompany = cards[i].name;

			// Apply Luhn check only for cards that require it
			if (cards[i].checkdigit && !luhnCheck(cardnumber)) {
				return response(false, ccErrors[2]);
			}

			return response(true, null, cardCompany);
		}
	}

	// If it isn't a valid prefix there's no point at looking at the length
	if (!prefixValid) {
		return response(false, ccErrors[3]);
	}

	// See if all is OK by seeing if the length was valid
	if (!lengthValid) {
		return response(false, ccErrors[4]);
	}

	// The credit card is in the required format.
	return response(true, null, cardCompany);
};