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Credit Card Number Structure
The first 6 digits identify the issuing bank and card type. For example, Visa cards start with 4, Mastercard with 5, and American Express with 34 or 37.
The middle digits (6-9 digits) represent the individual account identifier assigned by the issuing bank.
The last digit is calculated using the Luhn algorithm to validate the entire number sequence.
Visa/Mastercard: 16 digits, American Express: 15 digits, Diners Club: 14 digits.
Luhn Algorithm Validation
The Luhn algorithm, also known as the "modulus 10" algorithm, is a checksum formula used to validate credit card numbers and detect simple errors in typing or transmission.
How it works:
- Starting from the rightmost digit, double every second digit
- If doubling results in a two-digit number, add the digits together
- Sum all the digits
- If the total is divisible by 10, the number is valid
Card Types and Security Features
Visa
- • Starts with 4
- • 16 digits long
- • 3-digit CVV
- • Most widely accepted
Mastercard
- • Starts with 5
- • 16 digits long
- • 3-digit CVV
- • Global acceptance
American Express
- • Starts with 34/37
- • 15 digits long
- • 4-digit CVV
- • Premium services
Security Features
CVV/CVC Codes
Card Verification Values are security codes that help verify the card is physically present during transactions.
- • Visa/Mastercard: 3-digit code on the back
- • American Express: 4-digit code on the front
- • Purpose: Prevents card-not-present fraud
Expiration Dates
Expiration dates add another layer of security and help manage card lifecycle.
- • Format: MM/YY (Month/Year)
- • Typical validity: 2-5 years
- • Security: Limits card misuse timeframe
Responsible Usage Guidelines
✅ Legitimate Uses:
- • Software testing and QA
- • Payment system development
- • Educational demonstrations
- • Cybersecurity training
- • Form validation testing
❌ Prohibited Uses:
- • Actual financial transactions
- • Fraudulent activities
- • Identity theft attempts
- • Unauthorized purchases
- • Bypassing payment systems
⚠️ Legal Notice: Using generated credit card numbers for fraudulent purposes is illegal and can result in serious criminal charges. This tool is strictly for educational and testing purposes only.
Technical Implementation
BIN Database
Our tool uses a comprehensive database of Bank Identification Numbers to generate realistic test numbers.
- • 130K+ BIN ranges supported
- • Regular database updates
- • Accurate card type detection
Generation Process
Numbers are generated using cryptographically secure random number generation and Luhn validation.
- • Secure random generation
- • Luhn algorithm validation
- • Format-specific rules