Generate Luhn-algorithm-valid test credit card numbers for Visa, MasterCard, Amex and Discover formats. Strictly for developer testing — these are not real cards and cannot be used for actual purchases.
When building checkout flows, payment integrations, or card-validation logic, you need realistic-looking card numbers that pass front-end validation but aren't real cards. The Luhn algorithm (the checksum used by every real card number) is well-documented and can be applied to generate test numbers. Major payment gateways like Stripe, Razorpay, and PayPal also publish their own official test card numbers — use those for end-to-end transaction testing.
Choose a brand (Visa starts with 4, MasterCard with 5, Amex with 34, Discover with 6). Pick how many cards to generate. The tool starts with the brand prefix, fills the middle digits randomly, and computes the Luhn check digit. Output is a list of properly-formatted card numbers (4-digit groups separated by spaces).
Use it during front-end checkout development to test form validation, when building card-validation utilities, when populating test databases, and when creating QA scenarios. For real payment-gateway testing, switch to the gateway's official test cards which trigger specific success/failure responses.
NEVER attempt to use these numbers for real charges — they're not associated with any real account. For full payment-flow testing, use Stripe test cards (4242 4242 4242 4242), Razorpay test cards, or your gateway's official sandbox numbers. Those return realistic responses for success, decline, 3DS, and other scenarios.
No — they pass the Luhn checksum but aren't issued by any bank. Attempting to charge them will be declined by every payment gateway.
Yes — Luhn-valid test numbers are widely used in payment-systems development. Using them to attempt fraud is illegal.
Stripe and other gateways validate not just the format but check against issued-card databases. Use their official test card numbers (4242 4242 4242 4242) for sandbox testing.
Explore more other tools on the tool hub — or jump straight to the Fake Name Generator.