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Utilerio

Test Credit Card Generator

Generate Luhn-valid test card numbers with expiry and CVV for development and QA.

Generated test cards

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Test data for developers. Not affiliated with any card network.

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About this tool

Payment forms and checkout flows have to be tested without a real card. This generator produces card numbers that pass the Luhn checksum — the same mod-10 formula card networks use to catch typos — so your form's client-side validation treats them as well-formed, together with a matching expiry date and CVV.

These are not real cards. The numbers are random, belong to no account, hold no balance, and are declined the instant they reach a real payment processor, which authorizes every charge with the issuing bank. Use them to test your own validation, to fill sandbox flows (Stripe, PayPal, Adyen and others also publish official test numbers), or to generate placeholder data — never to obtain goods or services you have not paid for.

How to use it

  1. Pick a card brand. The prefix (BIN) and length follow that network's public scheme so the number looks structurally correct.
  2. Choose how many to generate (up to 10).
  3. Press Generate. Each result has a Luhn-valid number, a future expiry (MM/YY) and a CVV of the right length (4 digits for American Express, 3 otherwise).
  4. Copy a single field or the full details and paste them into your test form or sandbox.

Examples

Anatomy of the number

In a Visa test number the leading 4 is the brand prefix, the middle digits are random, and the last digit is the Luhn check digit computed from the rest.

4XXX XXXX XXXX XXXC
C = (10 − (Luhn sum of the first 15 digits mod 10)) mod 10

Common problems

The number is declined at a real checkout.
That is expected. A Luhn-valid number is only well-formed, not real. Real gateways verify the account with the issuing bank, so a generated number always declines. For end-to-end payment testing use your provider's sandbox and its official test cards.
My form still rejects it.
Some forms also check the brand prefix or run a small authorization. Match the brand to what the form expects, or use your payment provider's documented test numbers (for example Stripe's 4242 4242 4242 4242).

Frequently asked questions