Credit Card Number Generator

Network	Number	CVV	Expiry	Luhn	Copy
{{ item.label }}	{{ item.display }}	{{ item.cvv \|\| '—' }}	{{ item.expiry \|\| '—' }}	{{ item.luhnValid ? 'Valid' : 'Invalid' }}

A Primary Account Number (PAN) identifies a payment card across networks using an Issuer Identification Number (IIN, often called BIN) plus an account sequence and a check digit. This tool is a focused credit card number generator online for test data, applying the Luhn (mod 10) checksum so outputs validate like real PANs while remaining synthetic. It supports common network formats and grouping styles to mirror how numbers typically appear in logs, fixtures, and QA scripts.

You provide high-level inputs such as target network, quantity, optional starting digits, and display preferences. The generator returns digit-only PANs with a computed check digit, and can also add a synthetic card verification value (CVV/CVC) and a future expiration date in month/year format. Results can be copied, saved, or exported for automated tests and data seeding without exposing real customer details or connecting to payment services.

Consider a developer populating a staging database to test fraud screening and formatting logic. They generate a set of network-specific PANs, include a reproducible seed for stable fixtures, and add expirations to exercise date parsing. The Luhn-valid outputs then drive unit tests and end-to-end flows without touching live credentials or gateways. Only use generated numbers in controlled test environments; never attempt real transactions or store sensitive production data alongside them.

Technical Details:

Concept Overview

A payment PAN consists of a network-specific prefix (IIN/BIN), a variable-length account identifier, and a single check digit computed with the Luhn algorithm. This utility synthesizes the account digits and check digit to match network rules while respecting chosen length and prefix constraints. It can optionally emit a CVV/CVC with typical network length conventions and a future MM/YY expiration window for format testing, while allowing user-selected display grouping and masking for safe on-screen handling.

Core Equation or Process

Select a target network; determine the target total length from the default or a user override (clamped to 12–24 digits; 0 uses the network default).
Choose a prefix: use the custom BIN/IIN if provided (digits only, truncated so one digit remains for the check) and, when “enforce network prefix” is on, only if the BIN matches that network’s prefix ranges; otherwise pick a random valid network prefix.
Generate the remaining body digits with a seeded 32-bit pseudo-random generator (deterministic when a seed string is supplied; otherwise uses the browser’s RNG).
Compute the Luhn check digit and append it to form the full PAN. Format (plain, spaced groups, or dashed) and optionally mask the last n digits with bullets for display; clipboard/export always use raw digits.
Optionally attach CVV/CVC (auto: 4-digit for American Express, otherwise 3-digit; explicit 3/4 override allowed) and a future MM/YY expiration chosen uniformly within the configured month window.

Luhn (mod 10) check digit:

P = d_{0} d_{1} \dots d_{n - 1}

s = \sum_{i = 0} (d_{i} \times (2 if i is even, else 1) - 9 if product > 9)

c = (10 - (s mod 10)) mod 10

Here, digits are indexed from the rightmost position of P (excluding the final check digit). Doubling applies to every second digit from the right as shown above; the final check digit is c.

Network Rules (prefix and length)

Network	Typical Lengths (digits)	Grouping Pattern	IIN/BIN Prefix Rules
Visa	13, 16, 19	4-4-4-4	4
American Express	15	4-6-5	34, 37
Mastercard	16	4-4-4-4	51–55, 2221–2720
Discover	16, 19	4-4-4-4	6011, 622126–622925, 644–649, 65
Diners Club	14, 16	4-6-4	300–305, 36, 38–39
JCB	16–19	4-4-4-4	3528–3589
Maestro	12–19	4-4-4-4	50, 56–69
UnionPay	16–19	4-4-4-4	62

Prefix ranges and length sets are enforced for random network selection and can be checked against any custom BIN/IIN when the corresponding toggle is enabled.

Interpretation & Thresholds

Field	Threshold Band	Meaning
Luhn Status	Valid	Number passes mod-10 and includes a correct check digit (generator output by design).
Luhn Status	Invalid	Fails mod-10; occurs only if a PAN is altered externally after generation.
CVV/CVC Length	Auto: 3 or 4	4 for American Express; 3 for others; manual 3/4 override available.

A “Valid” Luhn result means format-level plausibility only; it does not imply an active account, authorization capability, or issuer acceptance.

Variables & Parameters

Parameter	Meaning	Unit/Datatype	Typical Range	Notes
Card Type	Target network for prefixes, lengths, and grouping.	Enum	8 options	Visa, AmEx, Mastercard, Discover, Diners, JCB, Maestro, UnionPay.
Quantity	How many PANs to generate.	Integer	1–100	Clamped in code; interface indicates a 100-number limit.
Custom BIN/IIN	Starting digits to constrain generation.	Digits	up to L−1	Non-digits stripped; truncated so a check digit fits.
Length Override	Total PAN length if overriding the default.	Digits	12–24	Zero selects the network default; override is clamped to 12–24.
Display Format	On-screen grouping style.	Enum	plain/spaces/dashes	Visual only; clipboard/export always use digits.
Mask Last	Hide trailing digits in display.	Digits	0–L	Replaces digits with “•”; separators preserved.
Include CVV/CVC	Emit synthetic verification code.	Boolean + mode	3 or 4 digits	Auto or explicit 3/4 selection.
Include Expiry	Add MM/YY within a future window.	Boolean + months	1–120 months	Uniform month offset; local time basis.
Enforce Network Prefix	Ignore invalid BINs for the chosen network.	Boolean	on/off	When on, invalid custom BINs are discarded.
Seed	Deterministic RNG seed string.	Text	any	Hash-mixed, non-cryptographic PRNG; stable sequences per seed.

Worked Example

Goal: Compute the Luhn check digit for a partial PAN ending with …411111111111111.

P = 411111111111111

s = 2×1 \to 2, 1, 2×1 \to 2, \dots \Rightarrow s = 29

c = (10 - (29 mod 10)) mod 10 = 1

Final PAN: appends 1 as the check digit, producing a Luhn-valid number for testing.

Assumptions & Limitations

Generated PANs are format-valid only; they are not issued accounts and cannot authorize transactions. Heads-up
RNG is deterministic per seed but not cryptographically secure; do not use for security-sensitive simulations.
Length overrides outside typical network norms are allowed (within 12–24 digits) and may not reflect real-world issuing policies.
Expiry dates are sampled uniformly by month based on the local clock and are not tied to issuing bank rules.

Edge Cases & Error Sources

Non-digit characters in the custom BIN are stripped; excessively long BINs are truncated.
Masking more digits than the total length is constrained automatically to the PAN length.
Invalid BIN with “enforce network prefix” enabled is ignored, falling back to a valid network prefix.
Clipboard or download actions may be blocked by browser permissions or policies; retry with user interaction.

Scientific/Standards Backing

Specification and structure follow ISO/IEC 7812 for IIN/BIN and PAN formatting; the Luhn mod-10 algorithm is described in ISO/IEC 7812-1. EMVCo documentation informs network conventions. PCI DSS provides guidance on handling cardholder data in testing contexts.

Privacy & Compliance

Processing occurs entirely in your browser; the code performs no network requests, and exports are created locally. Clipboard copies and CSV/JSON downloads contain only synthetic data. Outputs are educational and not financial advice. Numbers are algorithmic test values and will not work for transactions.

Step-by-Step Guide:

Configure generation once, then export or copy results for tests and fixtures.

Choose a Card Type to set prefix rules and grouping.
Enter a Quantity of PANs to produce. Range is 1–100 per run.
(Optional) Provide a Custom BIN/IIN; enable Enforce network prefix to ignore invalid BINs.
(Optional) Set a Length override, display format, and Mask last digits for on-screen safety. Clipboard/export always use digits.
(Optional) Toggle Include CVV/CVC and Include expiry, defining the month window.
(Optional) Enter a Seed to make outputs reproducible across runs.
Generate, then copy digits, export CSV (credit_card_numbers.csv), or download JSON containing inputs and results.

Example: Select Visa, set quantity to 5, provide a 6-digit BIN, include CVV and a 6–18-month expiry window, and add a memorable seed. You get five Luhn-valid PANs with CVVs and MM/YY expirations ready for fixtures.

Warning Do not submit generated numbers to live gateways or acquirers; use sandbox environments only.

FAQ:

Is my data stored?

No. Generation, copying, and file creation happen locally in your browser. The code makes no network requests, and exports are produced client-side only.

How many numbers per run?

Between 1 and 100. The input is clamped in code and the interface documents the 100-number limit.

Which networks are supported?

Visa, American Express, Mastercard, Discover, Diners Club, JCB, Maestro, and UnionPay, each with their documented prefix rules and typical lengths.

Does masking affect copied data?

No. Masking is visual; copy and export always use raw digits, never the masked representation.

Can I reproduce results exactly?

Yes. Provide any seed string to create a deterministic sequence with a fast 32-bit PRNG. Use the same inputs and seed to reproduce results.

How accurate is the Luhn check?

It implements the standard mod-10 algorithm and produces correct check digits. Passing Luhn indicates structural plausibility, not a valid or active card.

What if my BIN is invalid?

With “enforce network prefix” enabled, an invalid custom BIN is ignored and a valid network prefix is used instead.

Can it work offline?

Yes, once loaded. All logic and exports run locally, so no connectivity is required after the page is available in your browser.

What license applies?

No explicit license metadata is included in the provided files. Consult your organization’s terms before redistribution or public use.

Troubleshooting:

Nothing copies to clipboard: trigger the action after a user click and allow clipboard permissions.
CSV downloads empty: generate at least one PAN before exporting.
Masked digits appear in screenshots: reduce Mask last or switch to plain format before capturing.
Custom BIN rejected: enable “enforce network prefix” only when your BIN matches the chosen network’s ranges.
Unexpected lengths: a manual override supersedes network defaults within 12–24 digits.

Clipboard and download actions can be blocked by browser policies or extensions; try a different browser profile or allow the site’s permissions.

Advanced Tips:

Tip Use a seed tied to your test ID to make fixtures reproducible across CI runs.
Tip Export JSON to capture both inputs and results for audit-friendly test artifacts.
Tip Toggle “enforce network prefix” during BIN testing to compare permissive vs strict matching.
Tip Use masking when screen-sharing; exports remain unmasked for parsing.
Tip Drive edge-case tests by setting uncommon lengths (e.g., 19-digit networks) within the 12–24 window.

Glossary:

PAN (Primary Account Number): Full card number including the Luhn check digit.
IIN/BIN: Issuer Identification Number; network/issuer prefix.
Luhn (mod 10): Checksum method doubling alternate digits from the right.
CVV/CVC: Verification code printed on the card; 3 or 4 digits.
Grouping: Visual blocks of digits, e.g., 4-4-4-4 or 4-6-5.
Masking: Replacing trailing digits with bullets for display.
Seed: String that fixes the pseudo-random sequence.
MM/YY: Expiration date format: month and two-digit year.