Credit Card Generator
Generate random credit card numbers for testing. Creates Luhn-valid cards with CVV, expiry date, and cardholder name.
For testing only. These are fake card numbers that pass Luhn validation but cannot be used for real transactions. Use payment provider test cards (like Stripe's 4242 4242 4242 4242) for actual payment testing.
How to Generate Test Credit Cards
Step 1: Select Card Type
Choose a specific card brand (Visa, Mastercard, Amex, Discover) or generate random cards for variety in testing.
Step 2: Generate Cards
Click generate to create cards with valid Luhn checksums, realistic CVVs, future expiry dates, and cardholder names.
Step 3: Use for Testing
Use these for form validation testing, UI development, and database seeding. For actual payment testing, use your provider's test cards.
Understanding Test Cards
These cards use the Luhn algorithm (mod 10) to generate valid checksums. They pass basic validation but will be rejected by actual payment processors.
Each card brand has specific rules: Visa starts with 4, Mastercard with 5, Amex with 34/37, and Discover with 6011.
Card Format Details
- Visa/MC/Discover: 16 digits, 3-digit CVV
- Amex: 15 digits, 4-digit CVV
- Expiry: Random future date
- Name: Random first/last combination
Frequently Asked Questions
Can these cards be used for real purchases?
No. These are randomly generated numbers that pass Luhn validation but are not issued by any bank. Attempting to use them would result in immediate decline.
How do I test actual payments?
Use your payment provider's test cards. Stripe uses 4242 4242 4242 4242, PayPal has sandbox accounts, and Braintree provides test nonces. Check your provider's documentation.
What is the Luhn algorithm?
The Luhn algorithm is a checksum formula used to validate credit card numbers, IMEI numbers, and other identification numbers. It catches typos but doesn't verify the card exists.
Why generate fake cards for testing?
For UI development, form validation testing, and database seeding. You need realistic-looking data without using real card numbers, which would be a security violation.
How do I test declined cards?
Payment providers offer specific test card numbers that trigger different decline reasons. For example, Stripe's 4000 0000 0000 0002 always declines with a "card declined" error.
Best practices for payment testing
- Never use real card numbers in test environments
- Use provider test cards for E2E payment flows
- Test various card brands your checkout supports
- Test expired cards, invalid CVVs, and declines
- Verify card masking displays correctly (****1234)
- Test saved card and card deletion flows