CreditCardFormatter

February 9, 2026 · View on GitHub

The CreditCardFormatter formats credit card numbers with automatic card type detection. It supports major card networks including Visa, MasterCard, American Express, Discover, JCB, Diners Club, UnionPay, and RuPay.

Usage

Basic Usage with Auto-Detection

use Respect\StringFormatter\CreditCardFormatter;

$formatter = new CreditCardFormatter();

echo $formatter->format('4123456789012345');
// Outputs: "4123 4567 8901 2345" (Visa detected)

echo $formatter->format('371234567890123');
// Outputs: "3712 345678 90123" (Amex, 4-6-5 format)

echo $formatter->format('5112345678901234');
// Outputs: "5112 3456 7890 1234" (MasterCard detected)

echo $formatter->format('36123456789012');
// Outputs: "3612 345678 9012" (Diners Club, 4-6-4 format)

echo $formatter->format('4123456789012345678');
// Outputs: "4123 4567 8901 2345 678" (Visa 19-digit)

Input Cleaning

The formatter automatically removes non-digit characters from the input:

use Respect\StringFormatter\CreditCardFormatter;

$formatter = new CreditCardFormatter();

echo $formatter->format('4123-4567-8901-2345');
// Outputs: "4123 4567 8901 2345"

echo $formatter->format('4123 4567 8901 2345');
// Outputs: "4123 4567 8901 2345"

echo $formatter->format('4123.4567.8901.2345');
// Outputs: "4123 4567 8901 2345"

API

`format`

format(string $input): string

Formats the input credit card number.

Parameters:

$input: The credit card number (can include spaces, dashes, dots, etc.)

Returns: The formatted credit card number

Auto-Detection

The formatter automatically detects card type based on prefix and length:

Card Type	Prefix Ranges	Length	Format
American Express	34, 37	15	`#### ###### #####`
Diners Club	300-305, 309, 36, 38	14	`#### ###### ####`
Diners Club	36	16	`#### #### #### ####`
Visa	4	13, 16	`#### #### #### ####`
Visa	4	19	`#### #### #### #### ###`
MasterCard	51-55, 2221-2720	16	`#### #### #### ####`
Discover	6011, 644-649, 65	16	`#### #### #### ####`
Discover	6011, 644-649, 65	19	`#### #### #### #### ###`
JCB	3528-3589	16	`#### #### #### ####`
JCB	3528-3589	19	`#### #### #### #### ###`
UnionPay	62	16	`#### #### #### ####`
UnionPay	62	19	`#### #### #### #### ###`
RuPay	60, 65, 81, 82, 508	16	`#### #### #### ####`

Cards with more than 16 digits automatically use the 19-digit pattern: #### #### #### #### ###

Examples

Input	Output	Card Type
`4123456789012345`	`4123 4567 8901 2345`	Visa
`4123456789012345678`	`4123 4567 8901 2345 678`	Visa (19)
`5112345678901234`	`5112 3456 7890 1234`	MasterCard
`341234567890123`	`3412 345678 90123`	Amex
`371234567890123`	`3712 345678 90123`	Amex
`6011000990139424`	`6011 0009 9013 9424`	Discover
`3528000012345678`	`3528 0000 1234 5678`	JCB
`36123456789012`	`3612 345678 9012`	Diners Club
`6212345678901234`	`6212 3456 7890 1234`	UnionPay
`8112345678901234`	`8112 3456 7890 1234`	RuPay
`1234567890123456`	`1234 5678 9012 3456`	Unknown
`4123-4567-8901-2345`	`4123 4567 8901 2345`	Visa (clean)

Notes

Non-digit characters are automatically removed from the input
Card type detection is based on card prefix and length (not Luhn validation)
If card type cannot be determined, uses the default 4-4-4-4 pattern
Uses PatternFormatter internally for formatting
For custom formatting patterns, use PatternFormatter directly