Credit Card Number Generator
Credit card numbers follow specific formats defined by each payment network. The last digit is a check digit calculated using the Luhn algorithm (also known as the mod-10 algorithm), which validates the number's integrity. Each brand has designated BIN (Bank Identification Number) prefixes that identify the issuing network.
This tool generates valid test credit card numbers with correct Luhn check digits for software testing and development. The numbers follow real brand prefix patterns but are not connected to any actual bank accounts. All generation is performed locally in your browser.
How it works
The Luhn algorithm doubles every second digit from right to left, subtracts 9 from results over 9, sums all digits, and the check digit makes the total a multiple of 10. BIN prefixes: Visa (4xxx), Mastercard (51-55xx), Amex (34/37xx), Discover (6011/644-649/65xx), Elo (636368/438935/etc), Hipercard (606282).
Use cases
- Testing payment form validation and formatting
- Populating test databases with realistic card data
- Verifying Luhn check digit implementations
- QA testing of checkout and payment flows