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Generates a valid card number and matching AI persona.
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Generates a valid card number and matching AI persona.
Streamline your payment gateway integration with valid test credit card numbers. Learn how the Luhn algorithm works and why data privacy matters in QA.
A fake credit card generator is a software tool that produces dummy credit card data for software testing and educational demonstrations. These tools use the Luhn Algorithm (MOD 10) to ensure that the numbers generated are mathematically valid, even though they are not linked to any real bank account or credit line.
For developers building e-commerce platforms or payment processing systems, using real credit card data during the testing phase is a major security risk. Test card numbers allow you to simulate transactions safely.
The first digits (Issuer Identification Number) determine the card network (e.g., 4 for Visa, 5 for Mastercard).
The generator applies the MOD 10 formula to ensure the 16-digit string passes checksum validation.
Tools generate random CVV codes and future expiration dates to complete the simulation.
| Industry | Usage Scenario |
|---|---|
| E-commerce | Testing checkout flows, cart logic, and successful/failed order states. |
| Security Training | Teaching employees how to handle sensitive data without exposing real info. |
| Fintech APIs | Validating API endpoints for card number formatting and validation rules. |
Generate test numbers for Visa, Mastercard, American Express (Amex), Discover, and JCB.
Create hundreds of valid 16-digit numbers in seconds for large-scale database testing.
No. These numbers are mathematically valid but are not backed by any money or financial institution. They will fail any real-world merchant authorization check.
Yes, it is legal for development, testing, and educational purposes. Using them to attempt fraud on a real merchant system is illegal and will be flagged by fraud detection systems.