Can I make a real purchase with these numbers?

No. These numbers only satisfy the Luhn check digit and brand format. They are not issued to any account, hold no funds, and will be declined by any live payment processor. They are for development and QA only.

What is the Luhn algorithm?

Luhn is the checksum most card numbers use. Starting from the rightmost digit, you double every second digit (subtracting 9 if the result exceeds 9), sum all the digits, and a valid number makes that total a multiple of 10. This tool computes the final check digit so every number passes.

Why do brands have different lengths?

Card length and the issuer identification number (IIN) prefix are set by each network. Visa starts with 4 and is 16 digits, Mastercard uses 51–55 and 16 digits, American Express uses 34 or 37 and 15 digits, and Discover uses 6011 and 16 digits.

Are the CVV and expiry real?

No. The CVV is a random three-digit number (four for Amex) and the expiry is a random future month and year. They are placeholders to fill form fields and never correspond to a real card.

Is anything sent to a server?

No. All numbers are generated and checksummed in your browser with no network calls, so nothing is logged or transmitted.

Fake Credit Card Generator (Test)

A fake credit card generator produces card numbers that are correctly formatted and pass the Luhn check-digit test, so they flow through validation logic the same way a real number would — but they belong to no account and can never be charged. Use them to test checkout forms, payment SDK integrations, and fraud rules in sandbox environments.

How it works

Each number is built to match its brand and then closed out with a valid checksum:

The chosen brand fixes the IIN prefix and total length: Visa 4 / 16 digits, Mastercard 51–55 / 16, American Express 34 or 37 / 15, Discover 6011 / 16.
The middle digits are filled randomly up to one short of the full length.
The final check digit is computed with the Luhn algorithm: double every second digit from the right, subtract 9 from any result over 9, sum everything, and choose the last digit that makes the total a multiple of 10.

A random future expiry and a random CVV (three digits, four for Amex) round out a complete test record.

Example

For a Visa number 4xxxxxxxxxxxxxxc, the generator picks the first 15 digits, runs Luhn over them, and sets c so the whole 16-digit number checksums to a multiple of 10. You can paste the result into any Luhn validator and it will report valid.

Notes

These are deliberately non-functional. Major networks also publish official test numbers (such as 4242 4242 4242 4242) for sandbox use; this tool gives you an endless supply of fresh, Luhn-valid alternatives for local testing.