How does the generator validate the card numbers?

It uses the Luhn Algorithm, the same check real systems use to confirm a card number is correctly formatted. That's why the generated numbers pass validation in any test system.

How can I tell which brand a card number belongs to?

By its first digits: Visa starts with 4, Mastercard with 51 to 55, American Express with 34 or 37, and the other brands follow similar prefixes.

Can the card numbers generated here be used for real purchases?

No, they're generated randomly following the Luhn Algorithm and aren't tied to any bank or real account. They're only meant for testing payment forms and systems, so they won't work on an actual purchase.

Do the generated cards have a balance or credit limit?

No. The numbers are fictitious and only exist to test whether a form or system correctly accepts a valid card format, including CVV and expiration date. They have no balance, credit limit, or any monetary value attached, which is why they don't work for real purchases, online or in person.

Who's responsible if I misuse a generated card number?

You are. This tool exists for software testing, so any use outside of that is on you, since we have no way to track or control what happens to the numbers once they're generated.

Credit Card Generator

Create valid credit card numbers for validation in software development projects. Generate numbers with CVV, expiration date, and various brands.

Need to validate an existing card?

Validate Card

Looking for a Brazilian SUS health card (CNS) for testing instead of a credit card?

Generate CNS

Want to know more about this generated card's brand and BIN?

Look up BIN

Does your checkout accept Pix? Paste the generated Pix Copia e Cola and check its fields and CRC.

Read Pix Copia e Cola

Testing a gateway? See each sandbox's test cards, with the result rule and the official source.

See test cards

How the Credit Card Generator Works

Choose the brand

Select Visa, Mastercard, Elo, and other brands, or leave it on Random to vary with every generated card.

Set quantity and formatting

Generate 1 to 10 cards at once and choose whether the number should show with or without spaces.

Generate the cards

Click Generate Credit Card to create numbers valid under the Luhn Algorithm, with CVV and expiration date.

Copy or download

Copy a specific field, copy every card at once, or download everything as a TXT file.

Main Features

8 Brands + Random Mode

Visa, Mastercard, American Express, Elo, Hipercard, Discover, JCB, and UnionPay, plus an option that rolls the brand for every card.

Batch Generation

Generate up to 10 cards at once: the first shows in the visual layout and the rest in an organized table.

Number Formatting

Toggle between showing the number with or without spaces, grouped correctly for each brand.

Copy and Export

Copy any field individually, copy every generated card at once, or download everything as a TXT file.

What is a Credit Card Generator?

Our Credit Card Generator is a free online tool that creates a valid credit card number, with CVV and expiration date, to help developers, testers, and IT professionals with testing and development tasks.

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

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

The Structure of a Credit Card Number and How It's Validated

A valid credit card number is not random: it follows a logical structure defined by the ISO/IEC 7812 standard, can have between 13 and 19 digits depending on the brand, and is checked by a mathematical algorithm before being accepted by any system.

Part of the Number	What it means
First 6 digits (BIN/IIN)	Identify the issuing financial institution and the card brand (Visa, Mastercard, etc.).
Middle digits	The cardholder's account identifier, assigned by the issuing bank.
Last digit	Check digit, calculated by the Luhn Algorithm to validate the full number.

The Luhn Algorithm works as follows:

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

Our generator uses this exact logic to create valid credit card numbers that pass validation in any testing system using the Luhn Algorithm.

Important Rules and Card Brands

Each credit card brand has its own range of starting digits. Here's what our credit card generator supports:

Brand	Starting Prefix	Generator Supports
Visa	4	Yes
Mastercard	51–55 or 2221–2720	Yes
American Express (Amex)	34 or 37	Yes
Elo	636368, 438935, 504175, among others	Yes
Hipercard	606282	Yes
Discover	6011, 644–649, or 65	Yes
JCB	3528–3589	Yes
UnionPay	62	Yes
Diners Club	30, 36, or 38	Not yet

Knowing these rules is essential to correctly pick the brand when generating a credit card number for your tests.

Why Use a Credit Card Generator?

The Credit Card Generator is an essential tool for anyone working with development and payment system testing. Main uses:

Development Testing:
To test payment forms, checkout systems, and e-commerce without using real credit card data, avoiding security risks and fraud.
Business Logic Validation:
Generate as many valid credit card numbers as needed to repeatedly test your applications' payment processing logic.
Form Filling:
To fill fields that require a valid credit card number in software tests, ensuring the form accepts the correct pattern for each brand.

Use this tool responsibly. It is designed for testing purposes only and should not be used for real financial transactions.

Frequently Asked Questions about the Credit Card Generator

Everything you need to know about generating credit card numbers for testing and development.