Credit Card Generator

Our Credit Card Generator is a free online tool designed to help developers, testers, and IT professionals obtain valid credit card numbers for testing and development purposes.

All generated numbers are completely fictitious and are not linked to any real account.

They follow the standard structure of credit cards and are validated using the Luhn Algorithm, allowing you to test payment systems, checkout forms, and APIs in controlled environments without using real data.

A credit card number is not random; it follows a logical structure defined by the ISO/IEC 7812 standard. It can have between 13 and 19 digits depending on the card brand, and each part has a specific meaning:

1. BIN (Bank Identification Number) or IIN (Issuer Identification Number):
   The first 6 digits, which identify the issuing financial institution and the card brand (such as Visa, Mastercard, etc.).
2. Account Identifier:
   The following digits, which represent the cardholder's account number assigned by the bank.
3. Check Digit:
   The last digit, used to validate the complete card number through a mathematical algorithm.

The validity of a credit card number is determined by the Luhn Algorithm (or Modulo 10), a checksum method used to detect input errors. This algorithm, widely used for identification numbers like credit cards and CPFs, does not guarantee the card exists or has funds; it only confirms that the number is formatted correctly.

The algorithm works as follows:

1. Starting from the second-to-last digit and moving left, double the value of every second digit.
2. If the result of a doubling is greater than 9 (e.g., 7*2 = 14), add the two digits together (1 + 4 = 5).
3. Sum all resulting digits, including those that were not doubled.
4. If the total is a multiple of 10 (i.e., the sum ends with 0), the number is considered valid.

Credit card brands can be identified by the first digit or first few digits of the number:

1. Visa: Numbers always start with 4.
2. Mastercard: Numbers start with 51 through 55.
3. American Express (Amex): Numbers start with 34 or 37.
4. Diners Club: Numbers start with 30, 36, or 38.
5. Discover: Numbers start with 6011, 644-649, or 65.
6. JCB: Numbers start with 3528-3589.
7. Elo: Numbers can start with 636368, 438935, 504175, and other prefixes.

The Credit Card Generator is an essential tool in the world of development and digital security. Its main uses are:

1. Development Testing:
   To test payment forms, checkout systems, and e-commerce without using real credit card data, avoiding security risks and fraud.
2. Business Logic Validation:
   Professionals can simulate different scenarios (valid cards, expired, incorrect CVV) to ensure payment processing logic in their applications works correctly.
3. Form Filling:
   To fill fields that require a credit card format in software tests, ensuring the form accepts the correct pattern.