credit card generator

How to use the credit card generator

  1. Pick a card brand — Visa, Mastercard, Amex, Discover, Diners, or JCB.
  2. Set how many test cards to generate (1-100) and toggle which fields to include (CVV, expiry, cardholder name).
  3. Click 'Generate' — each card passes Luhn-algorithm validation with the correct brand prefix and length.
  4. Alternatively click 'Load Stripe test cards' to get the official Stripe sandbox cards (4242..., 4000..., etc.) — these work in Stripe test mode specifically.
  5. Copy individual cards or export all as CSV for database seeding.

When to use it

Use when developing payment forms, validating client-side Luhn checks, seeding a test database, or recording a product demo that shows a checkout flow. The cards pass format validation but will never charge — real transactions require your payment provider's test cards (Stripe's 4242, PayPal's sandbox cards, Paddle's test cards). Alternative: Stripe docs list brand-specific test cards for every decline scenario; this tool is faster when you just need valid-format numbers, not specific decline codes.

Frequently asked questions

Are these real credit cards?
No. The generated numbers pass Luhn-algorithm checksums but will be declined by every real payment processor. Using generated numbers for actual purchases is fraud — don't do it.
Why does my test card fail at checkout?
Real payment gateways check the number against their sandbox or live card database, not just the Luhn algorithm. For integration testing, use the provider's official test cards — Stripe's 4242 4242 4242 4242, PayPal's sandbox cards, or whatever your processor documents.
What is the Luhn algorithm?
A checksum formula that every valid credit card number satisfies. It catches typos — enter 15 digits and swap two, the Luhn check fails. Generated numbers here pass the Luhn check with the correct brand prefix and length.
Can I use these numbers for streaming service free trials?
No. Even services that accept the format for signup will bill through a real gateway on first charge, and the transaction will fail. Using fake details to obtain services you haven't paid for is fraud in most jurisdictions.
What are the Stripe test card numbers?
Stripe publishes specific numbers that trigger specific behaviors in test mode: 4242 4242 4242 4242 (success), 4000 0000 0000 0002 (decline), 5555 5555 5555 4444 (Mastercard success), etc. The 'Load Stripe test cards' button preloads the most common ones.
Does this generator include CVV and expiry?
Yes — three-digit CVV for Visa/Mastercard/Discover, four-digit for Amex, plus a random expiry 1-5 years in the future. Toggle each field off in the sidebar if you don't need it.

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Last updated: 2026-04-25