Credit Card Generator

Generate valid, random credit card numbers for software testing and verification.

All Tools

For Testing Purposes Only. These numbers are mathematically valid (pass Luhn check) but are not real active cards. Do not use them for real attempts or fraud.

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What is a Credit Card Generator?

A Credit Card Generator is a tool that creates random numbers adhering to the format and validation rules of major credit card networks (Visa, Mastercard, Amex, etc.). These numbers satisfy the Luhn algorithm (Mod 10 check), making them valid for testing format validation logic in software applications.

This tool generates the 16-digit (or 15-digit) Personal Account Number (PAN), a random future expiry date, and a random CVV code. It is an essential utility for developers building e-commerce platforms, payment gateways, or form validation scripts.

Common Use Cases

Payment Form Testing: Verify that your checkout forms correctly accept and validate input formats (e.g., spacing, length, auto-detection of brand).
Gateway Integration: Use valid numbers to test API integrations with payment providers (Stripe, PayPal) in their sandbox/test mode.
Data Validation: Ensure your backend systems correctly process and mask sensitive PCI data (though you should never store real cards).
UI Development: Populate user wallets in design mockups or demos with realistic-looking card data.

Best Practices for Testing

Use Sandbox Environments: Only use these generated numbers in test/sandbox environments. They will fail in production systems.
Never Use Real Data: Developers should strictly avoid using their own or customer's real credit card information for testing to remain PCI DSS compliant.
Check Specific Test Cards: Some gateways (like Stripe) have specific "magic" test numbers (e.g., 4242...) that trigger specific responses (success/fail). Use those for functional logic tests.

Frequently Asked Questions

Are these real credit card numbers?

No. These are mathematically valid numbers that pass the Luhn algorithm check, but they do not belong to real accounts and cannot be used for payments.

Can I use them for testing my payment gateway?

Yes, many payment gateways (like Stripe or PayPal sandboxes) accept any Luhn-valid number for testing basic validation logic. However, they will decline the transaction if you try to charge them.

What is the Luhn algorithm?

The Luhn algorithm (also known as the "modulus 10" or "mod 10" algorithm) is a simple checksum formula used to validate a variety of identification numbers, such as credit card numbers and IMEI numbers.

Quick Info

Luhn Check: Validates the checksum of the digits.
CVV: Randomly generated (3 digits usually, 4 for Amex).
Expiry: Random future date.