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A valid credit card number (also known as Primary Account Number - PAN) has several fields and each of them has a meaning.

It identifies the industry where the card will be most used in.

If this digit is 9 the next three digits are the country code from ISO 3166-1.

The issuer identification number also known as the bank identification number (BIN) is the first six digits of the credit card number.

These identify the institution that issued the credit card to the card holder. Afterwards comes the account number, digit 7 to last minus one.

The maximum length of the account number is 12 digits. The last digit is the checksum which we explained how to calculate using the MOD 10 algorithm.

It is used to validate the primary account number to protect against accidental errors.

The credit card numbers you generate on this page are completely random.

When we say they are valid, we merely imply that they are a possible combination of characters which will validate when passed through the MOD 10 algorithm.

You can also generate valid credit card numbers for specific Issuing Networks by utilising their particular prefixes.

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