[gregjor]

If you get an auth on the card with the information provided the bank has to take responsibility for fraud, at least in the US. I don’t think you can tell if a card number corresponds to a “real” card or not. Some cards, such as the Apple card, don’t even have numbers embossed on them anymore.

Look at the API for your payment processor. I know they can identify debit and prepaid cards. Beyond that I don’t think they can reveal much about the card.