About Test Credit Card Generator

Luhn-valid dev cards for Visa/MC/Amex/Discover/JCB/Diners. Part of the DevTools Surf developer suite. Browse more tools in the Generators collection.

Use Cases

• Test checkout flows without real card numbers
• Seed payment-gateway sandbox environments
• Debug Luhn validation logic with controlled inputs
• Populate Stripe test mode with varied card brands for coverage

Tips

• Brand prefix determines the IIN range — Visa starts with 4, Mastercard 5, Amex 34/37
• All numbers pass Luhn check but are NOT backed by real accounts
• Never use these against production payment processors — you'll get blocklisted

Fun Facts

• The Luhn algorithm was patented in 1960 by Hans Peter Luhn of IBM. The patent expired in 1977 which is why every payment system uses it now.
• Credit card numbers aren't random — the first 6 digits (IIN/BIN) identify the issuing bank, and the last digit is always the Luhn check digit.
• Stripe's test card number 4242 4242 4242 4242 is so famous it has its own Wikipedia mention and is occasionally found hardcoded in production systems.

FAQ

Are these real card numbers?

No — they pass Luhn validation but are guaranteed unassigned (the tool uses known test-card BINs). Safe for development and CI tests.

Which brands are supported?

Visa, MasterCard, Amex, Discover, JCB, Diners. Each has the right length, starts with the brand's BIN range, and has valid Luhn checksum.

Do they work with Stripe test mode?

Use Stripe's documented test cards (4242 4242 4242 4242) for Stripe-specific tests. These generic tests pass validation libraries but aren't mapped to Stripe's test behavior.

Can I force specific decline scenarios?

This tool generates valid-format cards. For decline testing (insufficient funds, stolen card), your payment processor's test docs have dedicated numbers.