Is there a correct way to mask a 15 digit credit card number?

700 Software picture 700 Software · Sep 28, 2011 · Viewed 8k times · Source

15 digit bank card numbers are formatted 0000-000000-00000[1].

If I show the last 4 digits, it becomes xxxx-xxxxxx-x0000 which looks slightly goofy.

Is there a correct way to format a masked 15 digit number?

(I expect we will not show more than the last 4 anyway, but if there is a standard, I want to know about it.)

Answer

John Conde picture John Conde · Dec 3, 2011

There is no standard really. The vast majority of sites display the last four with four X's in front them whether the credit card number is 15 or 16 digits so that would probably be the most recognizable to your users. But if you really want to format it so you show the actual structure of the card number then do it as xxxx-xxxxxx-x0000 despite the goofiness. Users may find showing an extra character (xxxx-xxxxxx-00000) is "unsafe" and I'm sure you don't want to give anyone an opportunity to complain or do a chargeback.