About Credit Card Tools

What is this tool?

Credit Card Tools is a free online service that allows developers and testers to generate valid credit card numbers for testing purposes. These numbers follow the proper formatting rules (including passing the Luhn algorithm check) but are not connected to any real accounts.

Why use test credit card numbers?

Test credit card numbers are essential for:

  • Testing e-commerce checkout processes
  • Validating payment gateway integrations
  • Developing financial applications
  • Quality assurance testing
  • Educational purposes (learning about payment systems)

Supported Card Types

Our generator supports all major credit card brands:

  • Visa
  • MasterCard
  • American Express
  • Discover
  • JCB
  • Diners Club
  • China UnionPay

Important Disclaimer

These credit card numbers are for testing purposes only. They will not work for actual transactions. Attempting to use these numbers for real purchases is illegal and will not succeed. This tool is provided for legitimate testing and development purposes only.

How the Luhn Algorithm Works

The Luhn algorithm (or "modulus 10" algorithm) is a simple checksum formula used to validate a variety of identification numbers, including credit card numbers. Our generator creates numbers that pass this check, and our validator verifies whether a given number passes this check.

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