# 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.

- 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.
- 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.
- 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.
- 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.

July 18, 2009 at 9:58 amOr If Someone Can Help Me How to Hack a valid Credit Card And Use It

I will Big Thank Him Plzzzz I Need This Soooo Much

Visa Or Master Card Or American Express

Email Me

July 23, 2009 at 6:57 pmPeople stop asking for free credit card handout, personally i would want 1 too but none of you will ever get a free credit card handout EVER. And as for u mr."Vardharaja Perumal of Vavniya in Sri Lanka which is probably not even your actual name, how would u have an email address in the first place if you claimed you were poor o a paypal account. just proves all of you are a bunch of liers,who can go to jail for something like this, you can make the credit card numbers if you want for fun but they wont work, even ifn they do police can track you down so i suggest not to get involved in any of this and just read most of the idiotic comments people leave saying let me have a credit card code and please give me a code or my wife will die or something like that. but the rest who actually are leaving comments like this then your the actual smart people here.So all of you people who think you can get a free credit card code from Raymond or some one else just LEAVE and don't bother coming back until u finally get some sense into your heads that YOUR NOT GOING TO GET A CREDIT CARD CODE!

July 24, 2009 at 9:47 amwe actually have them. 100 usd. western union only. enough said.

July 24, 2009 at 9:56 ami need s a credit card number...not for anything important just a dating site...im not gonna lie and say its for an online business cuz its not lol...dating...im lonely lol...email me..i will only use it one.. haha...thnx guys u rock

July 24, 2009 at 6:59 pmCan i get a couple credit cards cuz a sista over here struggling and raising a kid by myself! I could really use 1

July 25, 2009 at 6:41 amHi everybody,

This is awful, asking 4 credit cards data? Why don't you try to create one legally? This is a characteristic, of lazy people, so, in order to make your country proud of you, you should start to make things legally. Trying to get a credit card information, is only a lose of time. You are silly, if you really think that someone is going to give you a credit card information.

SALUTE FROM ALBANIA!!

July 25, 2009 at 11:03 ami like this exercise i personally is good in maths ans this can help me sometime someday .thanks man

July 25, 2009 at 11:04 amman ireally need acredit card number to pay an online application fee of 82 bucks please help me man .............email me

July 26, 2009 at 1:30 ami like this exercise i personally is good in maths ans this can help me sometime someday .thanks man

July 29, 2009 at 5:02 amI hate how Nigerians are destroying the good name of our country because of Money. Many peoples are here working legitimate without looking for stolen credit card.

Do they think it is easy for one to lost his/her money like that. Put those peoples on your shoe! assuming your are the one your money just vanish like how would you feel.

Please, i beg all the Nigerians in this blog. Don't ask for Credit card any more. You can work!!!! Find a job!

July 31, 2009 at 2:31 pmpleas send me FRESH CONTACT email address . I WANT TO CONTACT HIM

August 1, 2009 at 2:22 amHi Hacker

I am weedimarks i need a valid updated cc no i need to pay my tution fee i will be really grateful for ur help

thanks

weedi

August 2, 2009 at 11:34 pmLMAO...these are some of the funniest comments that I have read in a very long time. Thank you all for a good laugh!

August 2, 2009 at 11:59 pmHey homes,

I lost my job...unemployment benefits have run out...I'm living in a cardboard box on the streets in my underwear. My ex-wife kicked me out. My kids hate me...I got no money and spend time dumpster diving with the local wild dogs and neighborhood squirrels. I need some money yo...hook a brother up with a valid credit card number. I'm going crazy here. Gonna jump some one for some cash if I can't find money or food soon, no joke. Begging sucks ass. Send a valid credit card number my way! I promise to only spend it on food and maybe an occasional smoke of the good stuff

August 3, 2009 at 6:02 amPlease i need just one valid visa credit card with full details and i will be very greatful to whomever helps me with one and i will reward that person with good.

Thanks and best regards

Jay

August 3, 2009 at 6:34 amokay im 15 and i WAS Looking for a credit card number but then i read the comments and so much retardness is put in this, except for The Luhn Algorithm theory ( no joke it works, it took me since the beginning of july to figure this out but yea thanks raymond) ,But if your really think some one is just going to throw out an account your a FUCKING IDIOT instead of typing dumbass comments take some of your boring ass life and just figure it out and to prove im fifteen if you can understand that do this math 08-03-09 now subtract that from 01-14-94 and Raymond please do not edit or delete this comment- lata

August 5, 2009 at 8:42 am1 US visa= 3$

1 US master 4$

1 discover cc $6

1 amex cc $5

1UK visa/master = 8$

1 uk cc amex =$15

uk cc bin+post code=$12

1UK CC WITH BIN =10$

1UK CVV with DOB = 20$

======================================

PLATINUM 60$

GOLD 50$

CLASSIC 40$

800$ USD

TRACK 1 & 2 (JAPAN,AUSTRALIA,UK,USA,CANADA,ETC) WITH GOOD BALANCE.

DUMPS WITH PIN:100$

GOLD:110$

PLATINUM:140$

BUSINESS:180$ ME REDUCE WHEN BUY MORE

INFINITE: 240$

========================================

AVAIALBLE UK BANK LOGINS ON SALE...

ALLIANCE & LEICESTER BANK LOGIN

LLOYDS TSB BANK LOGIN

ABBEY BANK LOGIN

NORTHERN BANK LOGIN

JODRELL BAN LOGIN

========================================

AVAILABLE BANK LOGINS IN USA...

BOA,

CHASE BANK,

WAMU

WELSFARGO

WACHOVIA

HSBC

RBC

======================================

1 CA CVV = 10$/CVV

1 CA CVV(Amex,dis) = 13$/cvv

1 EU CVV = 18$/CVV

1 EU CVV(Amex,dis) = 20$/cvv

1 US CVV full info = 25$/CVV

1 US CVV FULLZ INFOS+PAYPAL INFOS=$70

FULLZ INFOS ONLY WITHOUT CC DETAILS= $25

1 UK CVV FULLZ INFOS = 40$/CVV

PAYPAL WITH PASS EMAIL = 80$/paypal

PAYPAL WITHOUT PASS EMAIL = 45$/Paypal

======================================

BELGIUM CVV $15

ASIA CVV 15$

GERMANY CVV 15$

FRANCE CVV 15$

SPAIN CVV $15

INBOX WEBMAILERS $20

MAILERS 15$

====================================

I ACCEPT ONLY LIBERTY RESERVE(LR) AND WESTERN UNION(WU) ONLY...

N/B

PLEASE CONTACT ME FOR THE LISTED DROPS AVAILABLE AT HAND FRESH ,NO MINIMUM ORDER..

NO TEST OR DEMOAND RIPPERS AND SCAMMERS ARE NOT TO PM ME..ONLY SERIOUS CUTOMERS CONTACT ME..THANKS

SELL GOOD AND FRESH STUFFS TO MY CUSTOMERS AND CHECK STUFFS BEFORE SEND TO CUSTOMER WHO MAKE PAYMENT FOR STUFFS AND ALSO MAKE SURE PAYMENT US MADE,RECIEVED AND CONFRIMED BEFORE SEND TO YOU VIA E-MAIL OR FILE..

======================================

PM ME FOR DEAL OR WHEN YOU NEED BUY ANY STUFFS FROM ME..

THIS IS MY ID BELOW..THANKS

(*emails and phone numbers deleted by editor*)

THANKS VERY MUCH ALL...YOU ARE INVITED .

August 6, 2009 at 3:12 pmAnhdung De,the editor deletes the emails so try spelling your contact in your message so I can contact you ..spell a word using your the first letter of your email (code words) then your server. Then I will email you directly..

August 7, 2009 at 2:02 amAre these stolen credit cards and stolen credit card numbers that are being listed here? Or are these fake credit cards that commentators are referring to? If you all are selling fake credit card numbers that is one thing as I don't think there is anything wrong with selling fake digits or series of card numbers for amusement purposes. But if these credit accounts are actually stolen credit cards from real customers...this is highly illegal! Don't buy from the scammers and thieves!

August 8, 2009 at 10:33 amHi,

Are you guys turned nuts... How can u expect someone to post valid credit card number in public??? The logic behind card number is new to me and thanks Raymond for writing.

cheers