If by “valid credit card”, you mean a valid credit card number, then that can be done automatically with JavaScript. You’re looking for a Luhn algorithm implementation. Here’s one I just found on GitHub: https://gist.github.com/DiegoSalazar/4075533
Otherwise, if you want to validate that it’s an active credit card that can support a payment of a certain amount, you’ll need to tie into a service like Stripe.
There are jQuery widgets for the Luhn stuff you could add, and doubtlessly WordPress plugins that’ll offer Stripe integration.
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