Credit Card Generator - Generate Test Card Numbers with Luhn Algorithm

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.

The table below shows fictional credit card numbers that pass Luhn validation for each major network. These are structurally valid test numbers — they are not linked to any real account and cannot be used for actual transactions.

Use the generator above to create unique fictional card numbers, or generate bulk datasets with card number, name, address and email via the Dataset Generator.

Fictional credit card numbers that pass Luhn validation are a core requirement when building and testing any application that handles payment data. Here are the most common use cases.

• Payment form validation — test card number input fields, network detection (Visa vs Mastercard prefix), real-time Luhn validation, and card formatting (spaces after every 4 digits) without touching a real payment processor.
• Checkout flow end-to-end tests — drive Cypress, Playwright or Selenium tests through full checkout flows including card entry, expiry, CVV and billing address fields using structurally valid card numbers.
• Payment gateway sandbox testing — most gateways (Stripe, Braintree, Adyen) have sandbox environments that accept specific test card numbers. Use this generator to test your own card-handling code before switching to gateway-specific sandbox numbers.
• Tokenization and encryption testing — verify that your application correctly tokenizes, encrypts and stores card data without using real cardholder information — a PCI DSS requirement for all systems that handle payment data.
• Database seeding and load testing — generate thousands of unique fictional card numbers to populate test databases and run realistic load tests on payment processing pipelines.

Credit card numbers are among the most tightly regulated data types in software development. The Payment Card Industry Data Security Standard (PCI DSS) governs how card data must be handled, stored, and transmitted.

Key PCI DSS requirements for developers:

• No real PANs in test environments — PCI DSS Requirement 6.3.3 explicitly prohibits using real Primary Account Numbers (PANs) in development or test environments. Using fictional card numbers is the compliant approach.
• Masking in logs and UI — only the last four digits of a card number may be displayed. Test your masking logic with fictional PANs before going to production.
• Tokenization — production systems must replace the full PAN with a token. Fictional numbers let you build and test tokenization flows without risk of real card data exposure.

Using fictional credit card numbers — like those generated by this tool — is the standard practice for staying PCI DSS compliant during development and QA. Pair them with SSN numbers and names for complete US payment test profiles.