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Test Credit Card Numbers With Luhn Credit Card Validation

Published 7/11/08 (Modified 6/17/11)
By MoneyBlueBook

What Do the Credit Card Numbers Mean, and How Are Valid Credit Card Accounts Generated?

Have you ever wondered how credit card companies generate all those account numbers that appear on the face of the credit cards you carry around in your wallet? At first glance the numbers, while neatly arranged, appear to be completely random. But would it surprise you to know that there is indeed meaning and actual mathematical methodology to the way the numbers are sequenced? The process of generating real credit card numbers and validating them based on a proven mathematical formula is not only intriguing on an intellectual level and a hacker's dream, the carefully calculated way the numbers are ordered is actually quite beautiful and elegant when you come to understand how it works.

Before I get down to explaining the anatomy of credit card numbers and discussing how credit card numbers are generated, I think it's prudent to remind everyone the intent of this article. The goal of this blog post is not to encourage or get people thinking about how to go out and create fake credit card numbers on their own for improper means. The purpose is to shed some light on the science behind the mathematical sequencing technology of valid credit card numbers and offer some insight into something that many of us frequently see and use everyday, but oftentimes don't pay much attention to.

Please take in the information provided for purely academic and entertainment reasons. I'm not trying to encourage anyone to create fake credit card numbers and get themselves in trouble with the law. For anyone even thinking about engaging in fake credit card number hacking, keep this in mind - using mathematically generated credit card numbers to purchase products over the Internet or in real life is not only unethical and highly illegal, it's also not yet technologically possible (yet), based on the sheer probability of long shot odds of 1 in trillions. After reading everything I'm about to say carefully, you'll also realize that there is no realistic way to generate actual working credit card numbers that could be used for anything but entertainment reasons. The math and science behind generating authentic credit card numbers are only good for validation purposes and not sufficient for creating workable numbers as several highly encrypted numerical components are still needed. So, with that obligatory disclaimer out of the way, here is a short guide on how anyone can generate and verify the authenticity of any credit card number.

Basic Background About Credit Card Numbers and How They Work

Rather than ask you to take out a credit card out of your wallet to examine it, I've provided a picture of a prototypical card - in this case, it's a Visa credit card. While different card types offer different lengths of numerical digits, most major credit card issuers popular in the United States have 16 primary numbers on the front face of the card. Visa, MasterCard, and Discover cards all have 16 digits. American Express is the only major credit card issuer in the U.S. with one less number - at 15 digits. Regardless of the length of numbers, their numerical sequencing is still guided by the same Luhn validation formula, the mathematical check sum equation that makes all valid credit card numbers error free.

As you can see from the picture of the Visa card above, the very first 6 credit card number sequence is known as the issuer identification number (IIN) or bank identification number (BIN). These first 6 numerical digits denote the credit card network and the banking institution the card is a member of. The issuer identifier number also incorporates the card type's special identifying numerical prefix.

  • All typical 16 digit Visa account credit card numbers start with a prefix of 4.
  • All 16 digit MasterCard account numbers start with a prefix of 5.
  • All 16 digit Discover account numbers start with a prefix of 6011.
  • All 15 digit American Express credit card numbers start with a prefix of 37.

There is less randomization during this initial set of 6 digits as the numbers are determined purely by the card issuing source. Validation systems that want to go the extra mile in verifying authenticity oftentimes scan this first numerical sequence to match the known bank and issuing location of the card with the provided customer billing address for further validation accuracy.

The lone digit at the very right end of the complete 15 or 16 digit credit card number sequence is known as the "check digit", which often is the final number that is computer generated to satisfy the mathematical formulations of the Luhn check sum process. Meanwhile, in between the first 6 digits and the last single check digit is the actual personalized account number - the 8 or 9 digit sequence given by the card issuer. For more basic background information about credit card numbers, check out this credit card features brochure for more useful knowledge about the embossed and printed information found on your typical plastic credit card.

What's The Secret Behind The Luhn Algorithm, Also Known As The "Modulus 10" Or "Mod-10" Formula?

The Luhn Algorithm is the check sum formula used by payment verification systems and mathematicians to verify the sequential integrity of real credit card numbers. It's used to help bring order to seemingly random numbers and used to prevent erroneous credit card numbers from being cleared for use. The Luhn Algorithm is not used for straight credit card number generation from scratch, but rather utilized as a simple computational way to distinguish valid credit card numbers from random collections of numbers put together. The validation formula also works with most debit cards as well.

The Luhn formula was created and filed as a patent (now freely in the public domain) in 1954 by Hans Peter Luhn of IBM to detect numerical errors found in pre-existing and newly generated identification numbers. Since then, it's primary use has been in the area of check sum validation, made popular with its use to verify the validity of important sequences such as credit card numbers. Currently, almost all credit card numbers issued today are generated and verified using the Luhn Algorithm or Modulus, Mod-10 Formula. Needless to say, if you come upon some existing credit card numbers that fail the Luhn algorithm when put to the test, it is safe to assume that they are not valid or genuine numbers.

The one thing to keep in mind is that validity in terms of passing the Luhn test only means that it is mathematically valid for computational compliance purposes. It does not guarantee that the credit card number sequence is indeed a working number that is backed up with a valid credit card account on the card issuer's end. It is not unremarkable for one to artificially generate a mathematically valid credit card number that passes the Luhn validation check, but still ultimately fails as a fake credit card number with no actual substance. The Luhn algorithm only validates the 15-16 digit credit card number and not the other critical components of a genuine working credit card account such as the expiration date and the commonly used Card Verification Value (CVV) and Card Verification Code (CVC) numbers (used to prove physical possession of the debit or credit card).

The Nerdy Process Of Applying The Luhn Algorithm To The Creation and Validation Of Credit Card Number Sequences

For those who hate math or get scared when they encounter a bunch of scary looking mathematical formulas and numerically inspired descriptions, you are not alone. I personally hate math as an academic subject and was rather terrible at it back in high school and college, but if you like visual, thinking puzzles like Sudoku, you'll like working with the Luhn Algorithm. It's pretty clever and remarkably well put together. It's also pretty easy to explain.

  1. First, you'll need to lay out all 15 or 16 numerical digits of the credit or debit card number. The Luhn Algorithm always starts from right to left, beginning with the rightmost digit on the credit card face (the check digit). Starting with the check digit and moving left, double the value of every alternate digit. Non-doubled digits will remain the same. Remember that the check digit is never doubled. For example, if the credit card is a 16 digit Visa card, the check digit would be the rightmost 16th digit. Thus you would double the value of the 15th, 13th, 11th, 9th digits, and so on until all odd digits have been doubled. The even digits would be left the same.
  2. For any digit that becomes a two digit number of 10 or more when doubled, add the two digits together. For example, the digit 5 when doubled will become 10, which turns into a 1 (when 1 and 0 are added together). Likewise, the digit 9 when doubled will become 18, which becomes 9 (as 1 and 8 are added together). Obviously, 0 when doubled will remain 0.
  3. Now, lay out the new sequence of numbers. The new doubled digits will replace the old digits. Non-doubled digits will remain the same. Thus, you should be able to come up with a new sequence of 15 or 16 numerical digits depending on card type.
  4. Add up the new sequence of numbers together to get a sum total. If the combined tally is perfectly divisible by ten (ends in 0, like 60 for example), then the account number is mathematically valid according to the Luhn formula. If not, the credit card number provided is not valid and thus fake or improperly generated.

An Example Of the Luhn Validation Technique In Action - Using Homemade Graphics


For the visual types like myself, let's use the American Express credit card on the right to better demonstrate the doubling and addition mathematics of the Luhn Algorithm. Follow the numbers and you'll realize that it's not as difficult as it may first appear. It's actually very easy once you get the hang of it. You won't look at credit card numbers the same way ever again after you get a good grip of it - I assure you. You'll find yourself testing credit card numbers for fun!

Ignoring the obvious Amex logo on the card, right of the bat it's clear the account number is that of an American Express number - denoted by the numerical prefix - "37". Now let's crunch the numbers through the Luhn Algorithm using the following displayed Amex credit card number: 3759-876543-21001. It doesn't matter if the credit card number sequence has 15 numbers like the American Express or 16 numbers like Visa, MasterCard, or Discover, the Luhn validation check should be able to verify whether this card number is a mathematically authentic credit card number regardless. Follow the Luhn steps from #1 to #4 below, starting with the rightmost check digit.

In this case, the total calculated sum was 57, which is not divisible by 10 (the added up sum does not end with zero). Thus the number fails the Luhn Algorithm validation check. According to the Luhn test, this particular Amex credit card number is completely bogus and fake. The numbers were likely randomly slapped together. To make this particular set of numbers Luhn compliant and error free, all we would have to do is change the all important "check digit" number from 1 to a 4, which would result in a total sum of 60, thereby becoming Luhn compliant.

If you want to test this mathematical theory out in real life, I recommend pulling out your own credit cards and spending a few seconds to run a quick Luhn screening on them just for your own amusement and education. Pretty neat isn't it? If you want another credit card number to test on, try using the credit card number that is displayed on the cartoon "VIZA Card" [sic] that Bart Simpson is holding up in the graphic at the top right of this article - the card is in the name of "Rod Flanders", and the credit card number is: 8525-4941-2525-4158. Tip: Just by looking at the prefix numbers you probably should already be able to tell that the account number's completely random and fake.

Use The Luhn Formula To Validate Existing Accounts But Don't Attempt To Create and Use Fake Credit Card Numbers

Now with this new found knowledge, keep in mind you still won't be able to randomly generate genuine workable credit card numbers. The Luhn theory only allows you to generate mathematically compliant credit card test numbers, not hack workable ones. Besides, without valid expiration dates, and valid CVV2, CVC2, or CID numbers (the special security codes printed on the back or front of credit cards as additional authentication measures), you still wouldn't be able to legitimately use your self generated numbers to run credit transactions anyway.

Cracking and hacking the security codes found on credit cards is currently impossible. To calculate a workable 3 digit CVV2 security code, the algorithm requires a primary account number (PAN), the 4 digit expiration date, a special 3 digit service code, and a pair of DES keys. With such heavy encryption and billions to trillions of numerical possibilities, unless you have God-like mental processing power and a fleet of super computers at your disposal, you won't be able to use brute force guessing attempts to crack the codes.

While it's good to use this type of information to education yourself on the inner workings of credit cards and mathematical validation theory, it's best to stay away from trying to further crack the secret of credit card codes to come up with free workable account numbers. Don't use the Luhn Algorithm for anything else but personal entertainment and amusement.���� Please don't go around trying to generate a list of fake credit card numbers on your own and trying to buy stuff with them. I know some of you out there may be tempted to try, but you'll just get yourself in trouble.

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419 Responses to “Test Credit Card Numbers | Credit Card Validation | Money Blue Book” 

  1. master killer hacker says:

    Firstname: *********
    Lastname: **********
    Address: ***********
    City: **************
    State: ***********
    Zipcode: ***********
    Phone: *************
    SSN: ***************
    Mother'sMaidenName:*
    DOB: *******
    CardBank: ****** ***
    CardType: *********
    Cardname: **********
    Cardnumber: ********
    Expiry Date: **-****
    CVV2: ***
    Employment: ********
    Position Held: *****

  2. Jackson says:

    Please I need your assistant to generate a credit card to support and to back-up my legitimate business

  3. Stephanie Corio says:

    Please any body with valid #s email me, im willing to pay 400 XXXXX@tmail.com

  4. Empire says:

    it would be goodly if someone found a working one...

  5. peter says:

    pls i need some to help cary bank login an i need fresh cv2

  6. okunini says:

    Please any one out there should send me all details of a valid credit card, i need it to buy a couple of softwares for my studies.
    please send to ####@yahoo.com; very urgent!

  7. sam says:

    Hi,

    My tele marketing guys face a problem when they jot down credit card numbers, sometimes it so happens that the customer ends up giving the debit card number. Is there any way that one can identify whether its a credit or debit number. Do the Issue ID number differ for debit/credit cards. Any help will be appreciated.
    #####@yahoo.com

  8. john says:

    master hacker, how much are u selling each info? i am willing to buy some. ####@yahoo.com

  9. john says:

    hey hacker please contact me at #####@yahoo.com

  10. Chuck says:

    RAYMOND, you should seriously consider changing the title of your article. While highly informative the title comes off a little shady. That is the reason for all of the comments. I seriously doubt any of the posters actually read the article. I was reading your article in response to the scam going around now with Adele Services and the millions of .25 cent charges.

    Any insight on how someone could process millions of .25 charges? Wouldnt the processor have to be in on it?

  11. Raymond says:

    Chuck,

    The Luhn Algorithm I described in this article is merely a credit card number check sum verification system. While theoretically, a mathematically valid credit card number can be generated using a computer using this numerical system, there is an extremely low probability of it being a real working credit card number - the probability is probably in the range of 1 in billions or trillions

    In regards to the mysterious 25 cent Adele Service charges appearing on millions of credit card accounts, I suspect we have an inside job on our hands. Creating millions of randomly generated real working credit card numbers with valid 3 digit verification codes is nearly impossible. Most likely the Adele scam involved the theft of actual accounts by some credit card issuer insider or third party technician that had access to the confidential data. Of course, this is all pure speculation of course.

  12. chelsea says:

    i need a valid credit card number and ccv please

  13. tessy says:

    i need validy credit card.......................................................

  14. Jim says:

    Hi.

    I really need a valid cc number, security code and exp. date. I need it for an Internet business. Anyone can e-mail it to me. It's ######@yahoo.com . I will give that person a reward in return.

  15. blue_boi says:

    are you serious? how stupid do you ALLLLLL have to be, you can't get credit card numbers this easy, and even if you could you wouldn't get them on a public website, what the hell is going through peoples heads, grow up and get fucking lives...even after raymond explained what the intentions of the article are, people still write bullshit questions about accuiring credit card numbers, leave the guy alone and use your brains!!! REALLY
    Gerrrr

  16. john says:

    hi can any 1 tell me which visa card this no relates to 4941?

  17. PsyberMind says:

    Not to mention, blue_boi that probably 90% of these requests for CC numbers are probably feds trying to lure in people with stolen account information.

  18. mhourphee says:

    Please I need a valid credit card that I can use for some online payments and a paypla verification. Please send me the info via email. Thanks it is so much appreciated.
    my email is wale4more@yahoo.com

  19. josh says:

    wow so many dumb asses asking for CC details lol, are you crazy, what makes you think ppl will give you those? especially the one asking for a CCN to buy a gift to his 65 years old grandma:D you made my day lol

  20. lemisa says:

    Hi
    i am a styuntin been willing to join a site but then i have know cerdit cards so i will like some one to help me out i will like to regoster after that i will be doying part payment and after the studies i will paying back

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