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Credit Card Generator - Generate Test Card Numbers with Luhn Algorithm

Generate fictional credit card numbers that pass Luhn algorithm validation. Supports Visa, Mastercard and American Express. Ideal for testing payment forms, checkout flows and payment integrations. Bulk generation with export to Excel, CSV and JSON.

Note:All generated data is entirely fictional and not suitable for use as real personal information.

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How Credit Card Numbers Work

Credit card numbers follow a specific structure defined by the ISO/IEC 7812 standard. The first digit identifies the Major Industry Identifier (MII), and the first six digits form the Bank Identification Number (BIN) or Issuer Identification Number (IIN).

Network Prefixes

  • Visa— Starts with 4, 16 digits total.
  • Mastercard— Starts with 51-55, 16 digits total.
  • American Express— Starts with 34 or 37, 15 digits total.

The Luhn Algorithm

The last digit of every credit card number is a check digit calculated using the Luhn algorithm (also known as the "modulus 10" algorithm). This algorithm detects accidental errors in card numbers, such as single-digit mistakes and transpositions of adjacent digits. All numbers generated by this tool pass Luhn validation.

For testing complete payment flows, combine credit card numbers with fictional names and addresses using the dataset generator.

Frequently Asked Questions

What is the Luhn algorithm and how does it validate credit card numbers?
The Luhn algorithm (also called the Luhn formula or modulus 10 algorithm) is a checksum formula used to validate credit card numbers, IMEI numbers, and other identification numbers. It works by doubling every second digit from the right, subtracting 9 from results over 9, and summing all digits. A valid number produces a total divisible by 10. The generator calculates the correct check digit to ensure all generated numbers pass Luhn validation.
Which credit card networks are supported?
The generator supports three major networks: Visa (starting with 4, 16 digits), Mastercard (starting with 51-55, 16 digits), and American Express (starting with 34 or 37, 15 digits). You can select a specific network or generate random cards across all networks. Each generated number follows the correct prefix and length for its network.
Are the generated credit card numbers real? Can they be used for purchases?
No, absolutely not. All generated credit card numbers are entirely fictional. They pass the Luhn check digit validation (so they will be accepted by basic format validators), but they are not linked to any real bank account or credit line. They cannot be used for any financial transactions. Use them exclusively for testing payment forms, checkout flows, and payment API integrations.
Can I generate test credit card numbers in bulk?
Yes, with the bulk generator you can generate up to 10,000 unique test credit card numbers at once. You can generate for a specific network or a random mix. The results include the formatted number, raw number, and network type. Export to Excel (.xlsx), CSV, or JSON for use in test automation and test databases.
What are common testing use cases for generated credit card numbers?
Test credit card numbers are used for: testing payment form validation and input masks, verifying Luhn algorithm implementation in your code, integration testing with payment gateways (in sandbox/test mode), end-to-end testing of checkout flows, testing card number formatting and display, and validating that your system correctly identifies card networks based on the BIN (first 6 digits).
Does the generator store any generated card numbers?
No. The credit card generator runs entirely in your browser (client-side). No card numbers are stored on a server or transmitted anywhere. Once you leave the page, the generated numbers are gone — unless you exported them. This ensures complete privacy and security.

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