Cards & Payments
Official test cards, card validators, payment codes and credit card calculators. These tools are free, need no account, and come with simple step-by-step instructions.
- Test Credit Card Numbers (All Providers)Official sandbox card numbers from Stripe, PayPal, Braintree, Adyen, PayMongo, Xendit and Square, searchable.
- Stripe Test CardsStripe test card numbers for every brand: Visa 4242, Mastercard, Amex, Discover, JCB, UnionPay.
- Stripe Decline Test CardsStripe cards that trigger declines: insufficient funds, lost, stolen, expired, incorrect CVC.
- Stripe 3D Secure Test CardsStripe cards for 3DS / SCA flows: challenge, frictionless, required, declined.
- Stripe Test Cards by CountryStripe test cards issued in 60+ countries, e.g. Japan, UK, Brazil, Singapore.
- Stripe Radar, Dispute & Refund Test CardsStripe cards that trigger Radar risk, CVC/address check failures, disputes and async refunds.
- Stripe ACH Test Bank AccountsStripe test bank account numbers for ACH Direct Debit success and failure cases.
- PayPal Sandbox Test CardsPayPal sandbox card numbers plus the CCREJECT triggers for simulated declines.
- Braintree Sandbox Test CardsBraintree valid cards and cards that fail verification (processor declined).
- Braintree Test Amounts & CVV/AVS RulesType an amount and see what the Braintree sandbox will do with it, plus CVV and postal-code triggers.
- Adyen Test CardsAdyen test card numbers by brand and card type: Visa, Mastercard, Amex, Elo, Dankort, UATP and more.
- Adyen 3D Secure 2 Test CardsAdyen cards for testing 3DS2 authentication by brand.
- PayMongo Test Cards (Philippines)PayMongo test cards: success, 3D Secure and every decline reason, including PH-issued cards.
- Xendit Test CardsXendit test cards for 3DS challenge/frictionless flows, plus amounts that force each failure.
- Square Sandbox Test CardsSquare sandbox cards, SCA (3DS) cards and the CVV/postal/expiry values that force errors.
- Test Credit Card Number GeneratorGenerate Luhn-valid test card numbers by brand, in bulk, as plain text, JSON or CSV.
- Visa Test Number GeneratorGenerate Luhn-valid Visa test numbers (13/16/19 digits) for form and validation testing.
- Mastercard Test Number GeneratorGenerate Luhn-valid Mastercard test numbers (16 digits) for form and validation testing.
- American Express Test Number GeneratorGenerate Luhn-valid American Express test numbers (15 digits) for form and validation testing.
- Discover Test Number GeneratorGenerate Luhn-valid Discover test numbers (16/17/18/19 digits) for form and validation testing.
- JCB Test Number GeneratorGenerate Luhn-valid JCB test numbers (16/17/18/19 digits) for form and validation testing.
- UnionPay Test Number GeneratorGenerate Luhn-valid UnionPay test numbers (16/17/18/19 digits) for form and validation testing.
- Diners Club Test Number GeneratorGenerate Luhn-valid Diners Club test numbers (14/15/16/17/18/19 digits) for form and validation testing.
- Maestro Test Number GeneratorGenerate Luhn-valid Maestro test numbers (12/13/14/15/16/17/18/19 digits) for form and validation testing.
- Invalid Card Number Generator (Negative Tests)Numbers that SHOULD fail validation: bad check digit, wrong length, unknown prefix, letters.
- Card Expiry Date Test CasesEdge-case expiry dates relative to today: this month, last month, far future, invalid months.
- Test CVV / CVC GeneratorRandom test security codes with the right length per brand, plus invalid ones.
- Checkout Test Case MatrixA ready QA checklist (Markdown or CSV) of payment scenarios with official test cards for your provider.
- Payment Test Fixtures (JSON)Export a provider’s official test cards as JSON fixtures for automated tests.
- Test IBAN GeneratorGenerate IBANs with valid check digits for testing bank-transfer forms (not real accounts).
- Credit Card Number ValidatorCheck a card number’s format: Luhn checksum, length and network (Visa, Mastercard, Amex…).
- Luhn Check Digit CalculatorFind the last digit that makes a number pass the Luhn (mod 10) algorithm.
- Luhn Algorithm Step by StepSee exactly how the Luhn (mod 10) checksum is calculated for any number.
- Bulk Card Number ValidatorValidate a list of card numbers at once: network, length and Luhn, one per line.
- Card Brand DetectorIdentify the card network from the first digits: Visa, Mastercard, Amex, JCB, UnionPay and more.
- BIN / IIN Checker (Offline)Break down the first 6–8 digits of a card: network, industry (MII), lengths and IIN size.
- MII Lookup (First Card Digit)What the first digit of a card number means: banking, travel, airlines, petroleum…
- Card Expiry Date ValidatorCheck an MM/YY expiry: valid format, expired or not, and months left.
- CVV / CVC Format CheckerCheck a security code has the right length for the card brand (3 or 4 digits).
- Card Number FormatterFormat card numbers with the right spacing per brand (Amex 4-6-5, others 4-4-4-4).
- Card Number Masker (PCI)Mask a card number for receipts and logs: first 6 + last 4, or last 4 only.
- Card Number Redactor for LogsFind card numbers in pasted text or logs and mask them before sharing.
- Card Number Finder (PCI Scan)Scan text, logs or exports for card numbers (Luhn-valid) and list where they appear.
- Card Number CleanerStrip spaces, dashes and dots from card numbers so APIs accept them.
- Card Number Regex GeneratorCopy-ready regular expressions for Visa, Mastercard, Amex, Discover and more.
- Card Payment Form ValidatorCheck all checkout fields at once: number, expiry, CVC, name and postal code.
- Magnetic Stripe Track 1 & 2 ParserDecode Track 1 / Track 2 test data: PAN, name, expiry, service code and discretionary data.
- EMV TLV DecoderDecode EMV / BER-TLV hex (ISO 8583 field 55, chip data) into named tags.
- EMV Tag LookupLook up an EMV tag (9F26, 95, 5F2A…) or search tags by name.
- EMV TVR Decoder (Tag 95)Decode the 5-byte Terminal Verification Results to see why a chip transaction went online or declined.
- ISO 8583 MTI DecoderExplain a 4-digit Message Type Indicator such as 0100, 0110, 0200, 0420 or 0800.
- ISO 8583 Bitmap DecoderTurn a primary (and secondary) bitmap in hex into the list of data elements present.
- ISO 8583 Processing Code DecoderDecode field 3 (e.g. 000000, 010000, 200000): transaction type and account types.
- IBAN ValidatorCheck an IBAN: country length and mod-97 check digits, then format it for print.
- IBAN FormatterConvert IBANs between print format (groups of 4) and electronic format (no spaces).
- SWIFT / BIC Code ValidatorCheck the structure of a SWIFT/BIC code and break it into bank, country, location and branch.
- ABA Routing Number ValidatorCheck a 9-digit US bank routing number with the ABA checksum.
- Card Decline Code LookupWhat a decline code means (insufficient_funds, do_not_honor, lost_card…) and what to tell the customer.
- ISO 8583 Response Codes (Field 39)Meaning of 2-digit authorization response codes: 00 approved, 05 do not honor, 51 insufficient funds…
- AVS Response CodesAddress Verification Service results explained: Y, Z, A, N, U and more.
- CVV2 / CVC2 Result CodesWhat M, N, P, S and U mean in a card security code check result.
- 3D Secure ECI Value LookupDecode the ECI from a 3DS authentication (05/06/07 for Visa, 02/01/00 for Mastercard).
- Merchant Category Code (MCC) LookupFind what a 4-digit MCC means (5411 groceries, 5812 restaurants…) or search by business type.
- ISO 4217 Currency CodesCurrency code, numeric code and decimal places (minor units) for 50 currencies.
- Card Number Rules by NetworkPrefixes (IIN ranges), lengths and security-code size for every major card network.
- Amount to Minor Units (Cents) ConverterConvert 19.99 USD → 1999 for payment APIs, with zero- and three-decimal currencies handled.
- Stripe Webhook Signature VerifierCheck a Stripe-Signature header against the raw payload and your endpoint secret, in your browser.
- HMAC Signature GeneratorCreate HMAC-SHA256/SHA-1/SHA-512 signatures in hex or Base64, e.g. for webhook and API testing.
- Idempotency Key GeneratorRandom idempotency keys (UUID v4) to make payment API retries safe.
- Order / Payment Reference GeneratorUnique-looking order IDs and payment references with your prefix, length and character set.
- Split Payment Calculator (Exact Cents)Split an amount into equal parts that add up exactly, with leftover cents assigned fairly.
- Credit Card Interest CalculatorHow much interest a balance costs per day, per month and over a billing cycle at your APR.
- Credit Card Minimum Payment CalculatorSee how long paying only the minimum takes, and the total interest, versus a fixed payment.
- APR ↔ Monthly Rate ConverterConvert a credit card APR to monthly and daily rates and effective annual rate, or back.
- Balance Transfer CalculatorIs a balance transfer worth it? Compare interest + transfer fee against staying on your card.
- Credit Card Cash Advance Cost CalculatorTrue cost of a cash advance: fee plus interest from day one.
- Foreign Transaction Fee CalculatorWhat a purchase abroad or in a foreign currency really costs after conversion and card fees.
- Credit Utilization CalculatorYour credit utilization ratio overall and per card, plus how much to pay to reach a target.
- Cashback & Rewards CalculatorHow much cashback you earn per month and year after caps and the annual fee.
- Credit Card Points Value CalculatorWhat your points or miles are worth: value per point and total value of a redemption.
- Credit Card Annual Fee Break-Even CalculatorHow much you must spend for a rewards card’s annual fee to pay off versus a no-fee card.
- Credit Card Installment Calculator (Add-On Rate)Monthly amortization, total interest and true effective rate of a card installment plan.
- Credit Card Debt Avalanche vs SnowballPlan paying off several cards: highest-interest-first vs smallest-balance-first.
- Credit Card Due Date & Grace Period CalculatorFind your payment due date and how many interest-free days a purchase gets.
- Credit Card Late Payment Cost CalculatorWhat paying late really costs: late fee, interest and any penalty APR.
- Credit Card Payment BreakdownHow much of your payment goes to interest vs balance this month, and your new balance.
- Credit Card Payoff Goal CalculatorThe monthly payment needed to be debt-free in the number of months you choose.
- Card Processing Fee CalculatorFee and net amount for a card payment with a percentage + fixed fee (and tax on fees).
- Fee Gross-Up Calculator (Charge to Receive)How much to charge so you receive an exact amount after card fees.
- Card Surcharge CalculatorAdd a card surcharge to a price, or find the surcharge that exactly covers your fee.
- Merchant Discount Rate (MDR) CalculatorMonthly MDR cost, tax on MDR and net settlement from your card sales.
- Interchange++ Fee CalculatorBreak a card fee into interchange, scheme fee and acquirer markup (IC++ pricing).
- Effective Processing Rate CalculatorYour real card-processing cost: total fees ÷ total card volume from your statement.
- Chargeback Ratio CalculatorYour dispute/chargeback ratio and how many more you can have before hitting a threshold.
- Payment Approval Rate CalculatorAuthorization approval and decline rates, and revenue lost to declines.
- Refund Cost CalculatorWhat a refund costs you when the original card fee is not returned.
- Card Minimum Purchase CalculatorThe smallest sale where the card fee stays under your chosen percentage.
- Dynamic Currency Conversion (DCC) Markup CalculatorPay in local or home currency? See the hidden markup in the rate you were offered abroad.
- Payout / Settlement CalculatorNet payout from gross card sales after fees, refunds, chargebacks and a reserve.
- Rolling Reserve CalculatorHow much cash a rolling reserve ties up, and when it is released.