CC generator for safe test credit card numbers

Use this cc generator to create fake credit card data for testing and development. It helps you check payment forms and validation. It keeps live money out of every test. Read the disclaimer before you start.

Important disclaimer

• These numbers are fake and for testing use only.
• They pass Luhn checks used by most payment forms.
• Live transactions fail by design on any gateway.
• Use this tool for lawful testing and development work.
• Fraud is illegal and leads to serious penalties.

What this cc generator does

• Creates a card number with the right brand prefix and length.
• Calculates the Luhn check digit for a valid pattern.
• Sets a future expiry month and year.
• Generates a security code with the correct length.
• Formats the card number for easy reading on screen.
• Lets you copy all details to your clipboard in one click.

Numbers change on every click, so each set feels unique.

How to use this tool

1. Pick a brand under Card Type. Choose Visa, Mastercard, American Express, or Discover.
2. Select Generate Test Card to create fresh data.
3. Review the output fields shown on the page.
4. Use Copy All Details to copy the number, expiry, and security code.
5. Paste the values into your sandbox or staging checkout.
6. Repeat the steps if you need more test cards.

Inputs explained

The tool has one input field called Card Type. Pick the brand you want to test.

• Visa: 16 digits and starts with 4. Security code has 3 digits.
• Mastercard: 16 digits and starts with 51 to 55. Security code has 3 digits.
• American Express: 15 digits and starts with 34 or 37. Security code has 4 digits.
• Discover: 16 digits and starts with 6011. Security code has 3 digits.

Pick the brand that matches your current test case. For example a form that shows brand based input masks.

Output explained

Card Number

The generator shows a formatted number for easy reading. American Express groups as 4 6 5. Other brands group as 4 4 4 4. The number follows the Luhn algorithm. Luhn is a checksum that flags invalid numbers.

On copy the number uses only digits. Many gateways accept digits with or without spaces.

Expiry Date

The expiry uses the format MM or YY. The month ranges from 01 to 12. The year lands within the next five years. Use a near month if you test near expiry behavior.

CVV or security code

CVV means Card Verification Value. It helps verify the card. Visa, Mastercard, and Discover use 3 digits. American Express uses 4 digits.

Copy All Details

This button copies a plain text block with the three fields. It works on modern browsers and older ones as well. Paste the values directly into your test form.

Limitations and notes

• The data links to no bank account or cardholder.
• Live authorization attempts fail by design on payment networks.
• The tool creates no name, address, or postal code.
• AVS means Address Verification System. Provide your own address if your test needs it.
• 3D Secure means an extra cardholder check. This tool creates no 3D Secure challenge data.
• Many providers publish brand specific test cards. Use their lists if your test needs exact codes.
• This generator uses common brand rules and a single Discover prefix.
• Do not store these details in logs that other people can read.

Handle this tool with the utmost care in shared workspaces.

Common use cases

• Build and test a checkout on a staging site.
• Verify input masks for Visa, Mastercard, American Express, and Discover.
• Confirm Luhn checks and error messages on invalid input.
• Test expiry validation and near expiry prompts.
• Run manual quality checks before release.
• Demo a payment flow to a client or teammate.

Practical tips for better tests

• Try each brand to confirm brand detection and formatting.
• Paste the number with spaces, then try digits only.
• Pick several months including 01 and 12 to spot edge bugs.
• Use an expiry in the next year to test renewal flows.
• Mix American Express and Visa to cover 15 and 16 digit paths.
• Write down at least one passing path and one failing path.

Frequently asked points

Do these numbers complete a real charge. No. They serve test needs only, and live gateways decline them.

What if my provider needs a specific card. Use the brand test cards from the provider docs. This tool covers common checks.

Can I automate with this tool. It suits manual checks. For automation use your gateway tools or fixtures.

Why do some forms show brand icons. Many forms detect the prefix and update the icon. Use the right brand in Card Type.

Summary

This cc generator gives safe, fast test cards for your build. Pick a brand, generate a card, and copy the details. Use the data in a sandbox only. Keep the disclaimer in mind on every run.