What Is the Qodex Credit Card Generator?

The Credit Card Generator by Qodex allows developers and testers to generate valid-format but fake credit card numbers for various issuers including Visa, Mastercard, American Express, JCB, Discover, Diners Club, and Maestro. Each number is Luhn-algorithm compliant, meaning it passes structural validation—but none of the generated cards are linked to actual accounts, ensuring complete safety in testing environments.

Protecting Your Privacy in a Digital World

In an era where cybersecurity concerns are growing, people are increasingly hesitant to share their real financial details online. Using a credit card generator is a simple yet effective way to safeguard personal information. By generating numbers solely for testing or non-transactional purposes, users can shield their actual financial data from potential breaches or unauthorized access. This approach not only streamlines development and QA processes but also adds an extra layer of security, resulting in a safer online experience for everyone involved.

Ideal for developers and testers, it ensures complete safety while mimicking real-world cards. Whether you’re validating form logic, simulating transactions, or testing API flows, this tool helps you work efficiently and ethically.

🔗 Combine it with: Token Generator, ZIP Code Generator, or Username Generator to simulate full checkout flows.

How It Works: Luhn Algorithm + Realistic Metadata

What is Luhn's algorithm and how does it relate to credit card number generation?

Each number is Luhn-algorithm compliant, meaning it passes structural validation—but none of the generated cards are linked to actual accounts, ensuring complete safety in testing environments. Behind the scenes, the tool uses the same mathematical process employed by real-world payment networks to check card number authenticity. By applying Luhn’s algorithm to every generated card, you can be sure that each one meets the structural standards expected by payment gateways and form validators. This ensures your tests reflect real-world scenarios, without ever exposing sensitive or live financial data.

Every number is generated using Luhn’s algorithm, the same validation method used in real payment systems. Each card also includes:

• Issuer Identification Number (IIN)

• Expiry date

• CVV

• Cardholder name

This metadata makes it ideal for form testing, API mocks, or validating input fields in realistic conditions.

What’s Happening Behind the Scenes?

Our credit card generator isn’t just about quick clicks—it’s powered by clever algorithms that mimic how real credit card numbers are created. Here’s a quick peek under the hood:

• Major Industry Identifier (MII): The very first digit of each card number signals the card’s network—“4” for Visa, “5” for Mastercard, and so on. Our generator ensures this prefix matches your selection, making the number instantly recognizable to systems and tools.

• Issuer Identification Number (IIN): The next five digits (for a total of six including the MII) specify the bank or financial institution issuing the card. Whether you’re generating cards for test data or simulations, our tool crafts IINs that accurately reflect real-world issuers.

• Luhn’s Algorithm: Every credit card number we generate is validated using Luhn’s algorithm—a widely used checksum formula. This mathematical check guarantees that the numbers are structurally sound and suitable for use in testing environments.

The result? Instantly generated, industry-standard card numbers that are perfect for your development, QA, or demo needs.

Why It’s Safe and Secure

Generated cards are:

• Not tied to real accounts

• Cannot process real transactions

• Fully safe for frontend/backend simulations

  
  

Using these cards prevents exposure to sensitive data while enabling effective testing in payment forms, eCommerce environments, or KYC onboarding.

Key Features & Benefits

• Multi-Issuer Support: Choose from Visa, Mastercard, Amex, Discover, and more.

• Luhn-Valid Format: Each number follows real card formatting, suitable for sandbox and front-end validation.

• Bulk Generation: Instantly generate up to 10 cards at once in either card view or JSON format.

• Test-Friendly Metadata: Each card includes CVV, expiry, and cardholder name for full test coverage.

• Quick Copy & Export: Easily copy card details to clipboard or export in JSON for integration.

• No Login Required: Generate unlimited cards with no signup, limits, or throttles.

• Device and Browser Compatibility: Qodex’s Credit Card Generator is designed for universal access. Whether you’re on a PC, Mac, Linux machine, or poking around from your phone or tablet, you’re covered. The tool works smoothly on all major browsers—Chrome, Firefox, Safari, and Edge—so you won’t face any surprises regardless of your preferred workflow. No downloads, no fuss—just open it up in your browser of choice and get generating, wherever and however you work.

Common Use Cases:

• Testing checkout and payment forms

• Simulating eCommerce transactions

• Validating client-side or server-side Luhn checks

• Payment gateway sandbox environments

• QA automation for transaction flows

• Bypassing mandatory credit card fields in non-production app versions for safe feature exploration

Card formats follow global standards and work across regions. Use U.S.-specific test data with the ZIP Code Generator or Routing Number Generator, or add fake user details using the Email Generator and Username Generator.

Enhanced Privacy for Testing & App Use

Developers aren’t the only ones who benefit—the generator also helps end users and QA teams simulate payment flows without exposing real financial information. For example, many people hesitate to enter their actual credit card details on partially premium apps or new platforms. Using a dummy credit card number lets users or testers access basic features, verify payment screens, and complete onboarding without risking their genuine data. It’s a simple, effective workaround for situations where privacy and peace of mind matter.

What Is an Issuer Identification Number (IIN)?

The Issuer Identification Number (IIN) makes up the first six digits of a credit card number. This segment serves as the unique fingerprint for the card's issuing organization—whether that's a bank, credit card network like Visa, Mastercard, or American Express, or another provider.

When you use the Qodex Credit Card Generator, each generated card comes with a valid IIN, so your test data mirrors real card structures. Thanks to the IIN, systems and payment gateways can instantly recognize the card's brand and issuer, ensuring accurate simulations for payment processing and validation scenarios.

Understanding the Major Industry Identifier (MII)

Every credit card number starts with a key digit known as the Major Industry Identifier (MII). This digit reveals the type of organization that issued the card. For example, cards beginning with "4" are issued by Visa, while those starting with "5" are typically Mastercard. The MII not only helps determine the card network but also streamlines how transactions are routed and processed. When you generate cards with Qodex, each number comes with the appropriate MII—ensuring the cards reflect real-world issuer patterns for all your testing scenarios.

Example Output

{
  "Name": "Ava Smith",
  "Credit_Card_Number": "5842287885520399",
  "Issuer": "Mastercard",
  "Expiry_Date": "04/27",
  "CVV": "944"
}

⚠️ Note: This is a dummy card for development use only. It cannot be used for real-world transactions.

Attempting to use these generated card numbers for actual purchases or subscriptions will always fail. Repeatedly trying to pay for services with a dummy card could result in violations of user agreements, which may lead to penalties, service suspension, or even legal action to recover unpaid fees. Always use genuine payment methods where required and reserve dummy cards strictly for testing environments.

Important Considerations When Using Dummy Credit Card Numbers

• Legal Risks: Using generated credit card numbers to deceive or defraud is illegal. Even if you’re just testing, attempting to use fake information for actual transactions can carry serious legal consequences.

• Failed Transactions & Contractual Issues: Since these numbers aren’t tied to real accounts, any attempt by a service to charge them will fail. This could violate subscription agreements or terms of service, potentially resulting in extra fees or penalties.

• Verification Processes: Many online services employ robust verification systems. If a dummy number is detected, you may be unable to access certain features, free trials, or benefits that require valid payment details.

• Short-Term Use Only: Dummy cards are intended for a single, temporary use. They won’t work for ongoing payments, subscriptions, or memberships, and are not suitable for any recurring transactions.

• Expiration & Reliability: Generated card numbers can expire or be deactivated without warning, rendering them useless for any transaction beyond their short window of validity.

• Trust and Credibility: Using fake payment details can prompt providers to flag your account, damaging your reputation with that service and potentially affecting your ability to sign up elsewhere.

Use these numbers responsibly and only for legitimate development or testing purposes.

Legal & Ethical Use

Allowed:

• Form & UI validation

• Checkout testing

• API sandbox use

• Training/demonstration content

• Tutorials & code samples

Not Allowed:

• Attempting real transactions

• Fraudulent use or deception

• Bypassing security in production systems

⚖️ Misuse can lead to penalties under laws like the CFAA. Use only in test environments.

Compatible Across Devices & Platforms

Qodex’s generator runs entirely in your browser—no installs required. Use it on Chrome, Safari, Firefox, or Edge across desktop, tablet, or mobile. Perfect for cross-platform dev teams or on-the-go QA engineers.

Troubleshooting Failed Verifications

If your generated card number doesn’t pass a website’s verification process, don’t panic—this can happen for a variety of reasons. Here are a few quick tips to help you get back on track:

• Try generating a new card with a different issuer (think Visa instead of Mastercard or vice versa).

• Double-check that you’re matching the required card format for the site you’re using (some prefer specific issuers or number lengths).

• If the site uses advanced fraud detection (like Stripe or PayPal), keep in mind that not all generated numbers will make it through. These platforms are designed to spot test numbers.

• For persistent trouble, switch up your browser or clear your cookies—some sites track previous attempts.

Still running into issues? Sometimes a site simply requires an active, real payment method—no generator will work in these cases.

Are the generated credit card numbers accepted by all online services?

No, the generated credit card numbers are designed for testing purposes only and aren't guaranteed to work everywhere. Many websites and payment gateways—think Netflix, Amazon, or PayPal—use advanced verification systems to filter out test card numbers. So, if you try to use these numbers for real transactions, signups, or premium trials, chances are high they'll get rejected. They're great for development and QA testing, but won't unlock real-world services.

Can I use a credit card number generator to access free trials of applications?

Credit card number generators are designed strictly for testing purposes—they create numbers that look real and pass basic validation checks like the Luhn algorithm. However, most companies offering free trials (such as Netflix, Adobe, or Spotify) run additional verification to confirm the card is tied to a real financial account. Because generated cards do not exist in any banking system, they will not pass these authorization steps.

In short: while these tools are useful for testing your development projects, they won't help you bypass payment requirements or gain unauthorized access to paid services or software trials. Always use your own valid payment information when signing up for real-world offers and abide by the respective terms of service.

Can credit card number generators be used to bypass credit card entry requirements for online forms?

Yes, credit card number generators are often used to get around required credit card fields during sign-up or while accessing trial versions of apps like Spotify, Adobe, or Apple Music. Many services ask for card details before granting access to a free or trial version—even if they don’t charge you immediately. By generating a fake yet structurally valid number, you can sometimes satisfy these online forms without providing your real financial information.Keep in mind: these generated numbers won’t work for actual purchases or paid features, but they can help you test basic app functionality or reach a preview without risking your genuine credit card data. This is especially handy when you’d rather not share sensitive details with a new or unfamiliar service.

Companion Tools for Better Simulation

Level up your mock environments by pairing this with:

• Email Generator – For unique test email IDs

• UUID Generator – For transaction or user IDs

• Password Generator – To test secure form inputs

• Routing Number Generator – For U.S. banking workflows

• Base64 Encoder – To encode sensitive test strings

• Credit Card Regex Go Validator – To validate formats during input testing

Looking to build out even more comprehensive test data sets? Try pairing your card numbers with random addresses, phone numbers, or even placeholder images for complete end-to-end simulations. Here are additional utilities to help you generate a wide range of supporting data:

• Random Address Generator: Populate forms with realistic but fictitious street addresses.

• Phone Number Generator: Fill phone fields with region-specific, valid-format numbers.

• Random Username Generator: Quickly create believable names for user scenarios.

• Barcode & QR Code Generators (Upcoming Feature): Add product codes or simulate scan-and-pay flows.

• Random Date, Time, and Password Generators: Perfect for testing input validations, scheduling, and account creation.

• CSV, JSON, XML, and YAML Generators (Upcoming Features) : Produce bulk datasets for import/export, API, or automation testing.

• Text & Data Conversion Tools (Upcoming Feature) : Convert between formats like CSV, JSON, XML, or HTML, and prettify or minify as needed for your workflow.

No matter your test scenario—be it validating form logic, automating QA scripts, or stress-testing integrations—these utilities let you create robust, lifelike test data in seconds. Mix and match tools for everything from sandbox eCommerce flows to full-stack app validations, all without ever risking real user information.