Payvaly is an independent micro-tool site built to help people catch formatting mistakes in IBAN and card numbers before those values reach a payment or banking workflow.
Who maintains it
Payvaly is maintained by the Payvaly team as an independent web tool. It is not operated by a bank, card network, payment processor, or government body.
What Payvaly does
- Checks IBAN structure and MOD-97 checksum.
- Checks card number format, network pattern, and Luhn checksum.
- Keeps the experience simple for quick validation and QA work.
What Payvaly does not do
- It does not verify bank accounts, account ownership, or payment eligibility.
- It does not verify card status, available funds, expiry date, or CVV.
- It does not claim authority on behalf of banks or payment networks.
Transparency
- Validation logic is informational and format-based.
- If a result matters financially, confirm it with the recipient or issuing institution.
- Questions, corrections, or bug reports can be sent to contact@payvaly.com.
Contact
For bug reports or validation disagreements, include the country, the expected outcome, and a safe masked example when possible. Do not send full sensitive financial data.