It probably is possible but it would need to be PCI complaint.
Since PCI compliance is very expensive, no one is going to give it to you for
free.

I did just find a MS site that describes how to go about it but the code is
beyond my expertise at the moment. However, it does use the LUHN algorithm
which is in the public domain. So, all you have to do is create a Jscipt code
using the LUHN algorithm. The algorithm is not hard to understand, and can
actually work in Excell if you put the math together.

I need a Jscript that can be imported into the InfoPath form and I'm sure it
will work.

Is this client or server JScript?

Server Jscript.
I also found out that if you are using the browser form you can't use Jscript.
So I'm back to looking at another angle.