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Wouldn't the Luhn algorithm checksum [1] limit the available digits? It is specifically there so a one-off error doesn't result in a charge going to a valid other account.

[1] https://en.wikipedia.org/wiki/Luhn_algorithm



Most checksum algorithms that I know of for credit card numbers only decrease the number of available digits by 1.

Or equivalently it increases the length by the length of the checksum (usually 1 for credit cards) and doesn't otherwise affect the available numbers.


Great video on checksum was done by Ben Eater:

https://youtu.be/ppU41c15Xho


I believe that’s what they mean by “check digit”.




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