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Test Credit Card Number Generator (Luhn-Valid)

Generate Luhn-valid test card numbers for seven brands. Structurally correct, deliberately non-functional.

A test credit card number passes the Luhn checksum and matches a brand's prefix and length rules, so a checkout form accepts it as well-formed — but it is not tied to any account and will always be declined by a real payment processor. Use these to test client-side card validation and form handling.

Runs in your browser
Brands
Visa, Mastercard, American Express, Discover, JCB, Diners Club and UnionPay
Checksum
Every number satisfies the Luhn (mod 10) algorithm
Can it take a payment?
No — the numbers are structurally valid but always decline
Privacy
Runs entirely in your browser — nothing is uploaded
Cost
Free, unlimited, no sign-up

Frequently asked questions

Can these numbers actually be charged?

No. They are not issued to anyone and are not linked to an account, so any real payment processor declines them. They only satisfy the format checks that run before a card ever reaches a processor.

What is the Luhn algorithm?

A checksum that catches most single-digit typos and adjacent transpositions in a card number. Double every second digit from the right, subtract 9 from any result above 9, and the total must be divisible by 10.

Is generating these legal?

Yes. The numbers are mathematically derived from public format rules and correspond to no real account. Payment providers publish their own equivalent test numbers for the same purpose.

How to use the test credit card number generator

  1. 1Set the how many cards.
  2. 2Choose the card brand.
  3. 3Choose the output.
  4. 4Choose the digit grouping.
  5. 5Enter or paste your seed.
  6. 6Turn "Include CVV and expiry" on or off as needed.
  7. 7Turn "Include cardholder name" on or off as needed.
  8. 8The result appears immediately — copy or download it.

Embed this tool

Put the working test credit card number generator on your own site. It runs in your visitors' browsers exactly as it does here — free, no account, nothing uploaded.

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