It seem you don't look for just an algorithm. Some banks give developers some activex files so developers can validate cards and get money from cards with these activex files. Maybe you should be ask Canada banks for that.

>Hi all,
>
>Where can I find algorithm to validate a credit card number? I found some on internet, but it validate only the 16 digit card number. I'd like to be able to validate the date and the number on the back of the card
>
>Thanks