Coming from the industry - MC & Visa typically don't know if exact card is valid or not. They admit range of numbers to an issuer (bank, revolut-type, whatever)

Coming from the industry - MC & Visa typically don't know if exact card is valid or not. They admit range of numbers to an issuer (bank, revolut-type, whatever), and issuers system is queried for each transaction - card can be created at any time without notifying card schemes. There's some exceptions (tokens etc.), but not relevant to this use case.