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How Credit Card Numbers Work
Credit card numbers follow the ISO/IEC 7812 standard. The first digit is the Major Industry Identifier (MII), and the first six digits form the Bank Identification Number (BIN).
Network Prefixes
- Visa — starts with 4, 16 digits total
- Mastercard — starts with 51–55, 16 digits total
- American Express — starts with 34 or 37, 15 digits total
The Luhn Algorithm
The last digit of every credit card number is a check digit calculated using the Luhn algorithm (also known as the "modulus 10" algorithm). All numbers generated by this tool pass Luhn validation.
Frequently Asked Questions
The Luhn algorithm is a checksum formula used to validate credit card numbers. It works by doubling every second digit from the right, summing all digits, and verifying the total is divisible by 10. All numbers generated here pass this check.
No. The numbers are structurally valid (pass Luhn check) but are not linked to any real card account or bank. They cannot be used for actual transactions.
Visa (16 digits, starts with 4), Mastercard (16 digits, starts with 51–55), and American Express (15 digits, starts with 34 or 37).
Yes. These are the standard test card numbers for validating payment form UI, input masking and Luhn validation logic. For actual gateway testing, use the sandbox card numbers provided by your payment provider.
No. All generation happens entirely in your browser. No card numbers are sent to or stored on any server.
Related Tools
All generated data is entirely fictional and not suitable for use as real personal information.