Credit Card Generator (Test Data)
Generate valid test credit card numbers for development, testing, and QA with Luhn algorithm validation - TESTING ONLY
Our fake credit card generator creates valid test credit card numbers for development, testing, and QA purposes using the Luhn algorithm (mod-10 checksum). Generate test credit cards for major card brands (Visa, Mastercard, American Express, Discover) with realistic formats including expiration dates and CVV codes. Perfect for e-commerce testing, payment gateway development, form validation, QA automation, and sandbox environments. ⚠️ TESTING ONLY - NOT FOR FRAUDULENT USE - These numbers pass Luhn validation but have no funds and will be declined by real payment processors. Use our generator for secure test data creation in payment integration testing, checkout flow validation, subscription system development, billing form testing, and PCI DSS compliant test environments. All cards include realistic metadata (expiration, CVV, card type) for comprehensive testing scenarios.
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What is a Test Credit Card Generator?
A test credit card generator creates valid-looking credit card numbers that pass the Luhn algorithm (mod-10 checksum) for development and testing purposes only. The Luhn algorithm is a simple checksum formula used to validate credit card numbers - it detects accidental errors in card number entry but does not verify card authenticity or funds. Our generator produces realistic card numbers following industry-standard formats: Visa (16 digits, starts with 4), Mastercard (16 digits, starts with 51-55 or 2221-2720), American Express (15 digits, starts with 34 or 37), and Discover (16 digits, starts with 6011, 622126-622925, 644-649, or 65). Each generated card includes random expiration dates (future dates only) and CVV codes (3 digits for Visa/Mastercard/Discover, 4 digits for American Express).
⚠️ IMPORTANT LEGAL DISCLAIMER: These test credit card numbers are for development, testing, and educational purposes ONLY. They pass format validation (Luhn checksum) but have NO associated accounts, NO funds, and will be DECLINED by all real payment processors. Using these numbers for fraudulent purchases, identity theft, or any illegal activity is a CRIME and will be prosecuted. Real payment gateways (Stripe, PayPal, Square) provide official test card numbers for sandbox testing - always use those for production-grade testing. Our generator is intended for offline validation testing, form development, UI/UX testing, and educational demonstrations of the Luhn algorithm only.
Credit Card Generator Configuration
Count (1-20 Cards)
Card Type
Include Expiration & CVV
How to Generate Test Credit Cards
[STEP 1] Configure Card Parameters
Choose count (1-20 cards) and card type (Visa, Mastercard, Amex, Discover, or Random). Enable "Include Expiration & CVV" for complete card data. For e-commerce testing, use multiple card types to test card detection logic. For payment gateway sandbox testing, prefer official test cards provided by your processor.
[STEP 1] Generate Test Cards
Click EXECUTE GENERATION to create test credit cards with Luhn-valid numbers. Each card displays the card number, type, expiration date (MM/YY), and CVV code. All numbers pass Luhn checksum validation ensuring they're accepted by form validation scripts. Cards show formatted numbers with spaces for readability (e.g., 4532 1234 5678 9010).
[STEP 1] Use in Test Environments
Copy test card numbers for payment form testing, checkout flow validation, and subscription system development. Test card type detection, expiration validation, CVV verification, and Luhn checksum validation in your forms. Use in sandbox/test environments ONLY - never attempt to use with real payment processors.
[STEP 1] Follow Testing Best Practices
Always use official test cards from payment processors (Stripe test cards: 4242 4242 4242 4242, PayPal sandbox accounts) for production-grade testing. Use our generator for offline validation, UI development, form testing, and educational purposes. Never store test cards in production databases or logs. Clearly label test data to prevent accidental misuse.
Test Credit Card Best Practices
- _ TESTING ONLY - Never use these numbers for real purchases or fraudulent activity. These cards pass Luhn validation but have no accounts, no funds, and will be declined by all payment processors. Using test cards for fraud is illegal and will result in criminal prosecution. Always use official test cards from payment gateways (Stripe, PayPal, Square) for sandbox testing.
- _ Official Test Cards - Payment processors provide official test card numbers for sandbox testing: Stripe (4242 4242 4242 4242 for Visa), PayPal Sandbox accounts, Square test mode cards. Use these for production-grade testing as they trigger specific success/failure scenarios. Our generator is for offline validation, form development, and educational purposes only.
- _ Clear Test Labeling - Always label test credit card data clearly in development databases, logs, and documentation. Use prefixes like "TEST_" or store in separate test databases. Implement safeguards preventing test data from reaching production systems. Never store test card numbers alongside real customer data to prevent confusion.
- _ Validate with Luhn Algorithm - Implement Luhn checksum validation in your payment forms to catch typos and invalid card numbers before submission. The Luhn algorithm detects 100% of single-digit errors and 98% of digit transpositions. Our test cards all pass Luhn validation enabling realistic form testing and validation logic development.
- _ PCI DSS Compliance - Never log, store, or transmit real credit card numbers in plain text. Use PCI-compliant payment processors (Stripe, Braintree, PayPal) handling card data securely. Implement HTTPS/TLS for all payment pages. Test cards help develop PCI-compliant systems without handling real card data during development.
- _ Educational Use - Use test card generation to understand the Luhn algorithm, BIN ranges, and card number formats. Learn payment industry standards (PCI DSS, EMV, 3D Secure) using test data. Demonstrate validation logic in coding tutorials and security training. Never teach fraudulent techniques or misuse of test data.
Technical Implementation - Luhn Algorithm
Our test credit card generator uses the Luhn algorithm (mod-10 checksum) to generate valid card numbers:
// Credit Card Generation with Luhn Algorithm
Algorithm: Generate Luhn-Valid Card Numbers
// Step 1: Define Card Type BIN (Bank Identification Number)
if (type == "visa") then:
bin_prefix = "4" + random_digits(5) // 6-digit BIN
card_length = 16
else if (type == "mastercard") then:
bin_prefix = random_choice(["51", "52", "53", "54", "55"]) + random_digits(4)
card_length = 16
else if (type == "amex") then:
bin_prefix = random_choice(["34", "37"]) + random_digits(4)
card_length = 15
else if (type == "discover") then:
bin_prefix = "6011" + random_digits(2) // or 65, 644-649, 622126-622925
card_length = 16
// Step 2: Generate Random Digits (excluding checksum)
card_number = bin_prefix + random_digits(card_length - 7) // Leave space for checksum
// Step 3: Calculate Luhn Checksum
// Luhn Algorithm: Double every second digit from right, subtract 9 if > 9, sum all
sum = 0
for i = 0 to length(card_number) - 1 do:
digit = card_number[i]
if (i % 2 == 0) then: // Double odd positions (right-to-left)
digit *= 2
if (digit > 9) then: digit -= 9
sum += digit
checksum_digit = (10 - (sum % 10)) % 10
card_number += checksum_digit
// Step 4: Generate Expiration & CVV
expiration_month = random_int(1, 12)
expiration_year = current_year + random_int(1, 5) // 1-5 years future
cvv_length = (type == "amex") ? 4 : 3
cvv = random_digits(cvv_length)
// Example Results:
// Visa: 4532 1488 0343 6467 | Exp: 08/28 | CVV: 321
// Mastercard: 5425 2334 3010 9903 | Exp: 12/27 | CVV: 584
// Amex: 3782 822463 10005 | Exp: 03/26 | CVV: 7373