Credit Cards Generator

Effortlessly generate valid test credit card numbers with the Credit Cards Generator Tool. Using the Luhn Algorithm (Mod 10), it's perfect for quick and accurate testing across multiple card brands.



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The Credit Cards Generator Tool is a sophisticated and user-friendly web tool engineered to swiftly generate valid credit card numbers, incorporating the Luhn Algorithm Check (Mod 10) for authenticity. This tool offers a convenient solution to developers, testers, and privacy-conscious users, allowing the creation of multiple credit card numbers across various brands seamlessly and accurately.

Key Features:

  • Brand Selection: Choose from a variety of credit card brands including Visa, MasterCard, American Express, and more.
  • Customizable Entries: Define the number of entries you desire, ensuring a tailored user experience.
  • Quick Generation & Reset: With a click, generate or reset the desired credit card numbers.
  • Copy Functionality: Easily copy generated numbers for testing purposes.

Understanding Valid Credit Card Numbers

A valid credit card number, adhering to the ISO/IEC 7812 numbering standard, is composed of a six-digit Issuer Identification Number (IIN), an individual account identifier, and a checksum digit.

Components of a Credit Card Number:

  • Major Industry Identifier (MII): The first digit indicating the card’s industry.
  • Issuer Identification Number (IIN/BIN): The initial six digits identifying the issuing institution.
  • Account Number: Digits 7 to the penultimate denote an account identifier.
  • Checksum: The final digit, validated using the MOD 10 algorithm.

Generated credit card numbers from the tool are valid in the sense that they pass the MOD 10 algorithm but are strictly for testing and should not be used for actual transactions.

Usage Clarification:

These numbers respect the guidelines of a valid credit card number but lack transaction data like CVV and expiration dates.

Read more about Card Not Present (CNP) transactions and the complete information required for purchases.

Key Terms in Credit Card Generation

  • Credit Card: A revolving loan medium for purchases and cash advances.
  • Cardholder: The individual to whom a credit card is issued.
  • Issuer: The institution that issues credit cards and manages billing.
  • Credit Limit: The maximum available credit for use.

Explore more credit card terms.

The Utility of the Credit Cards Generator Tool

Generating valid credit card numbers can be beneficial for protecting privacy online and for developers requiring bulk data for testing ecommerce platforms or applications.

Deciphering the MOD 10 Algorithm

The MOD 10 algorithm, or the Luhn algorithm, is a checksum formula for validating identification numbers. It’s extensively used for error detection in various numerical sequences.

Generating Valid Numbers:

The Credit Cards Generator Tool ensures that the generated numbers comply with the MOD 10 algorithm, producing valid sequences for testing.

Utilize the Credit Cards Generator tool as needed for your testing requirements.


The Credit Cards Generator Tool is designed solely for the purpose of generating test data and is intended to be used for educational and testing purposes only. The credit card numbers generated by this tool are not real and do not hold any monetary value. They are constructed to comply with the formatting and validation standards of credit card numbers but are purely fictional and random.

By using this tool, users acknowledge and agree that any numbers generated are strictly for testing and simulation purposes and should not, under any circumstances, be used in real-world transactions or any activity involving actual funds. The creators and maintainers of this tool bear no responsibility for any misuse or consequences arising from the use of the generated data.

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