TEST Card Generator & Validator

Never enter a real card number. Paste a test PAN to verify the Luhn check digit.

pan

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Full BIN / prefix ranges · Wikipedia: payment card numbers

A payment card is a portable credential that identifies an account at an issuer (bank or scheme partner). The visible “card number” is the PAN (Primary Account Number), defined by ISO/IEC 7812.

• IIN / BIN — first 6–8 digits: issuer / brand range (e.g. Visa often starts with 4)
• Account identifier — middle digits assigned by the issuer
• Check digit — last digit from the Luhn algorithm (ISO/IEC 7812-1)

PAN = [ IIN/BIN ] + [ account ] + [ Luhn check digit ]
Example Visa: 4xxx xxxx xxxx xxxC

A typical embossed or printed card is a layered plastic body with several data carriers:

• Front print / embossing — PAN, name, expiry (MM/YY)
• Magnetic stripe (ISO 7813) — Track 1 & Track 2 for swipe / fallback
• EMV chip — secure element; cryptograms (ARQC), offline PIN, contact/contactless
• Signature panel + CVV2/CVC2 — printed code for card-not-present
• Contactless antenna — NFC / ISO 14443 for tap payments

At authorization time the terminal (or e‑commerce gateway) collects card data and builds a message — often ISO8583 — toward the acquirer → scheme → issuer.

1. Read PAN (+ chip DE55 / track / keyed entry)
2. Add amount, merchant, terminal, cryptogram or CVV as required
3. Host validates format, Luhn (sometimes), BIN routing, fraud rules
4. Issuer checks account, PIN/cryptogram, available funds → approve/decline

Card → Terminal/PSP → Acquirer → Scheme → Issuer
        ←——————— response (00/05/…) ←———————

• CVV/CVC — derived for the stripe (service code + expiry + CVK)
• CVV2/CVC2 — printed; used online / MOTO (service code often 000 in the formula)
• iCVV / dCVV — chip / dynamic variants
• Track 2 — compact: PAN=YYMM + service code + discretionary

This generator only builds Luhn-valid PANs plus mock expiry/CVV/name for display — it does not mint real CVKs or tracks.

Same PAN can travel through different acceptance channels:

• Card-present — chip (preferred), contactless, or magstripe fallback
• Card-not-present — e‑commerce / MOTO with PAN + expiry + CVV2, often 3‑D Secure
• Token / wallet — device PAN (DPAN) instead of the real account number
• ATM / cash — PIN + chip or stripe
• Recurring / COF — stored credentials with scheme mandates

• Cardholder — owns the account
• Merchant / PSP — accepts payment, captures data
• Acquirer — merchant’s bank / processor
• Scheme — Visa, Mastercard, Amex, … routing & rules
• Issuer — cardholder’s bank; final approve/decline

  Why test PANs

Valid but not real

Processors reject numbers that fail the Luhn check. These generators produce check-digit–valid PANs so your test flow can proceed.

Do not use a real card for testing or on untrusted sites.

Numbers are random with brand prefixes — valid but unassigned, extremely unlikely to match a live account.

  Features

What you get

• Luhn-valid Visa / Mastercard / Amex / JCB / CUP / Diners / RuPay prefixes
• Validate an existing test PAN (or get the corrected check digit)
• Random expiry (~4 years out), CVV, and cardholder name on the mock plastic