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Online Fake Credit Card Number Generators: A Cautionary Guide

There may be many e-commerce websites that you may have come across where you need to enter your credit card details to start a trial period. Similarly, sometimes, we need to test an e-commerce application where we need to enter a credit card number. In these scenarios, we need a fake credit card number generator to help us test the application.

Let’s learn more about such generators, their working principles, features, risks, and limitations.

What are Credit Card Number Generators?

A fake credit card number generator is an online tool to generate random, valid-looking credit card numbers. These numbers are often used for testing and validation purposes. The primary use of these generators comes in e-commerce applications and payment gateways. The fake credit card numbers look like actual credit cards but are not linked to financial institutions.

Using an actual credit card for testing can cause security concerns and accidentally place an order, resulting in losing money. Most credit card generators use Luhn’s technique. Developed by Hans Peter Luhn, an engineer at IBM, in 1954, this algorithm is widely used in the financial industry to check the validity of credit card numbers and other similar numbers.

Usage of Credit Card Generator

The primary usage of credit card generators lies around testing and validation purposes in various business areas. Let’s look into more details.

Software and Payment Gateway Testing

  • E-commerce Development: The developers who create e-commerce websites use the CC generators to test their payment processing system, ensuring the code handles the card data correctly.
  • Payment Gateway Testing: Payment gateway systems are tested to ensure no security threats are encountered when handling card data. The whole transaction flow is smooth, and there are no glitches.
  • Fraud Detection Systems: Companies developing anti-fraud software use these numbers to test their systems’ ability to detect fraudulent transactions.

Educational Purpose

  • Academic Training: In educational fields such as universities or other technical courses, students learning about e-commerce, finance, or cybersecurity can use these CC generators to understand the whole mechanism of credit card transactions.
  • Demonstrations: These CC generators are used for classroom demonstrations to teach about credit card processing, security measures, and fraud detection without using actual card details.

Quality Assurance and Compliance Testing

  • Compliance with Standards: Businesses must comply with standards like the Payment Card Industry Data Security Standard (PCI DSS). Using generated numbers helps in testing compliance without risking sensitive customer data. Read here how to build an ADA-compliant app.
  • System Reliability and Performance Testing: Testers can access how the application handles large transactions using the CC generator, ensuring reliability and efficiency.

Application Prototyping

  • Design and User Experience Testing: During the design phase of an application with a payment processing module, fake credit card numbers can be used to test the user interface and experience without conducting real transactions.

Validation Tools

  • Format and Structure Checking: CC generators are often used to create validation tools to ensure that entered credit card numbers adhere to the correct format before processing.

Mechanism Behind Credit Card Generators

As discussed earlier, Luhn’s technique is the mechanism behind Credit Card generators. Before going to that, first, we need to understand two important parts of the structure of a credit card they are:

Major Industry Identifier (MII)

The MII is the first digit on the credit card. This indicates the primary industry of the card issuer. The main purpose is to categorize the card issuer based on the type of business or industry. There are different categories:

  • 3: Travel and entertainment (e.g., American Express and Diners Club)
  • 4 & 5: Banking and financial institutions (e.g., Visa and MasterCard)
  • 6: Merchandising and banking/financial
  • 7: Petroleum companies

Issuer Identification Number (IIN)

The IIN consists of the first six digits of the credit card number, including the MII. The primary purpose of IIN is to identify the institution that issued the card. It is critical for routing transactions correctly and for security purposes. It also helps to understand the issues of identification, card type determination, geographic location determination, transaction processing, and fraud prevention.

Pros and cons of Credit Card Generators

Benefits Drawbacks
Safe Testing and Development: Allows for risk-free testing of payment processing systems without using real credit card information. Legal and Ethical Issues: Using generated numbers for fraudulent activities or real transactions is illegal and unethical.
Error Handling and Functionality Verification: Helps in testing the robustness of systems in handling card details and transactions. Limited Application: Generated numbers are not valid for actual transactions, limiting their use to testing and demonstration purposes
Educational and Training Tool: Useful in academic settings for teaching about e-commerce and online payment systems. Potential Security Risks: Websites offering credit card generators might pose security risks, such as malware or scams.
Compliance Testing: Assists in ensuring systems comply with standards like PCI DSS without risking real data. Verification Failures: Generated numbers often fail in real-world verification checks, making them unsuitable for specific purposes.
User Interface and Experience Testing: Facilitates the testing of user interfaces in payment systems. Misuse Potential: There’s a risk of misuse by individuals not understanding the legal implications of using such tools.
Free and Accessible: Often free and easy to use, making them accessible for all users for legitimate purposes. Trust and Credibility Issues: Use in specific scenarios can lead to trust issues, impacting the user’s or developer’s credibility.

How Safe is it to Use testRigor’s Card Generator

As we mentioned in the pros and cons, one of the severe threats put forward by all these online CC generators is the security concern; injection of malware or scams into applications can cause severe issues with security. That’s where testRigor, a generative AI-backed tool, comes into the picture.

If you are using testRigor for your automation, unlike other tools, you don’t have to call the credit card generator separately using third-party integrations. You can generate the credit card in the automation test step itself with a plain English command. Here is the straightforward syntax:

generate from template “4###-####-####-####”, then enter into “card” and save as “generatedCard”

The above command performs three actions:

  • Generate – Generates the credit card, which is a Visa credit card number
  • Fill – Fills the credit card number to the card field in the application
  • Save – Saves the credit card number under a variable for future usage

This is more secure as testRigor does not call any third-party API to generate credit card numbers, eliminating the risk of any security breach. Moreover, you can generate the number, fill it in the relevant text field, and save it in a variable, all in a single English command.

Let’s see a test case depicting sign-in into an e-commerce website, adding a product, checking out, and purchasing the item.
open url "https://www.amazon.com"
click "Sign In"
enter stored value "email" into "email"
click "Continue"
enter stored value "password" into "password"
click "Login"
enter "Men's Printed Shirt" roughly to the left of "search"
click "Search"
click on image from stored value "Men's Printed Shirt" with less than "10" % discrepancy
click "Add to Cart"
click "Cart"
click "Checkout"
click "Pay by Credit Card"
generate from template "4enter###-####-####-####", then enter into "card" and save as "generatedCard"
enter stored value "expiry" into "valid till"
enter stored value "cvv" into "cvv"
click "Place Order"

Did you notice in the above example how simple it is to use testRigor’s credit card generation method? It is not just simple; it’s ultra secure. No third-party insecure tools are needed. One tool solves all your testing needs, whether it is web, mobile, API, or desktop testing.

Conclusion

Validating the payment gateway is very critical while testing the application. However, handling real credit card information is hazardous as it raises security concerns. That’s why many organizations use online credit card generators. As there are booming online card generators, it’s always better to check if that particular tool we are approaching is safe and secure.

That’s the advantage of using testRigor. It’s not just easy to use, but it’s secure also. You can try it by signing up for a free trial here.

Fake Credit Card Number Generator

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