Credit Card Generator
Free credit card generator and fake credit card number tool for software testing, QA and Stripe sandbox. Generate test credit card numbers — Visa, Mastercard, Amex and more — with Luhn validation, name, expiry and CVV.
Select a brand and click Generate
About this tool
This free credit card generator creates complete fake credit cards — number, cardholder, expiry and CVV — for checkout testing, QA and integration with payment gateways. The numbers follow the real structure with BIN prefix and Luhn verification, but are entirely fictitious and do not work in real transactions.
Features
Main Use Cases
This tool is ideal for various everyday situations for developers and technology professionals:
- Checkout and Gateway TestingSimulate complete payment flows without processing a real transaction. Widely used in integrations with Stripe, Adyen and PayPal.
- Frontend DevelopmentValidate card masks, form fields, UI behaviour and brand detection logic without exposing sensitive data.
- Test AutomationUse fictitious cards in automated scripts to validate forms, checkout flows and business rules (with frameworks such as Cypress, Playwright, Selenium, JUnit, Pytest, among others).
- Education and DemonstrationsCreate realistic personas with structurally valid cards for presentations, wireframes and proof of concept.
- Payment API ValidationTest Luhn check implementations, error responses and integrations with payment APIs without handling real financial data.
How the Credit Card Generator Works
Generated numbers follow the real structure used by the payment industry. Each card is composed of elements that comply with international standards, including:
- Card brand identification by number prefix
- Compatible BIN prefixes for each card network
- Correct number length per brand
- Check digit calculation and insertion
- Luhn Algorithm (MOD 10) validation
This allows testing systems that require apparently valid cards without exposing real financial data.
The Luhn Algorithm (MOD 10)
The Luhn Algorithm (or 'mod 10') is a mathematical rule used by all credit cards to validate their structure. It does not verify whether a card actually exists, only whether the number follows the expected pattern.
It is widely used by:
- Payment gateways (Stripe, Adyen, PayPal)
- Financial APIs and anti-fraud systems
- Checkout forms
- Digital banking platforms
The calculation is done in four steps:
- Traverse the digits from right to left and double every second digit
- If doubling results in ≥ 10, add the two digits of the product (e.g. 7×2=14 → 1+4=5)
- Sum all digits, both doubled and non-doubled
- If the total sum is a multiple of 10, the number is valid
Example: the number 4111 1111 1111 1111 (widely used Visa test card) results in a sum of 30, which is valid (30 ÷ 10 = remainder 0). The last digit '1' is the check digit.
This tool automatically applies this routine when generating each card, ensuring it passes the Luhn check in any payment system.
What are BIN and IIN?
BIN (Bank Identification Number) and IIN (Issuer Identification Number) are two names for the same concept: the first 4 to 6 digits of a card number, which identify the issuing institution and payment network according to the ISO/IEC 7812 standard.
From these digits, payment systems automatically identify:
- The card brand (Visa, Mastercard, Amex etc.)
- The issuing bank or institution
- The card type (credit, debit or prepaid)
- The country of origin of the issuer
This tool uses real BIN prefixes for each selected brand, ensuring that generated cards are correctly recognized by forms, masks and brand detection systems.
Supported Networks and Brands
This generator supports 17 global payment networks, with brand-specific BIN prefixes according to the ISO/IEC 7812 standard:
Responsible Use and Legal Notices
Generated numbers have no link to any real financial institution. In production environments, any attempt to use them is automatically declined by the issuer, as the number simply does not exist in any banking database.
Permitted uses
- Software development and QA
- Gateway integration testing in sandbox or staging environments
- Demonstrations, wireframes and proof of concept
- Test automation and form validation
Prohibited uses
- Real payment or transaction attempts
- Any form of fraud or financial crime
- Use in production systems with real data
This tool is legal and safe. Misuse of the generated data for fraudulent purposes is a criminal offence.
How to Use This Tool
Select the card brand
Choose the desired brand from the menu (Visa, Mastercard, Amex, etc.).
Generate the card
Click "Generate Card". All data appears on the card: number, cardholder, expiry and CVV.
Copy the data
Click the copy icon next to each field to copy it individually.
Questions & Answers
Gateways such as Stripe, PayPal and Adyen provide their own test cards that simulate specific approvals and declines within their environments. Cards from this tool follow the correct structure (BIN + Luhn) and are useful for validating forms and masks in any system, but do not simulate specific gateway responses.
No. The CVV and expiry date are randomly generated for testing purposes and do not correspond to any card issued by a bank or financial institution.
For unit, integration, E2E, UI and regression tests. The generated data is compatible with any automation framework.
Yes. The tool is legal and intended exclusively for technical and educational purposes. Misuse of the generated data for fraud attempts or real transactions is illegal.