
Billing Cycle - The date that your statement is produced every month.Credit Limit - The amount of credit made available for you to use.Merchant/Accepter - An individual, organization, or corporation that accepts credit cards for merchandise or services.This institution is also responsible for billing the cardholder for charges. Issuer – is an institution that issues credit cards to cardholders.The computer automatically generates a number, then sealed and sent to the cardholder. Personal Identification Number (PIN) - The number used to access their account to get cash at an ATM machine or make other PIN verified transactions.
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Typically, this individual is also responsible for the payment of all charges made to that card.

What Credit Card Numbers Mean?ĪNSI Standard X4.13-1983 is the system used by most national credit-card systems. “372616573” – Identifies the holder’s account number. “4532 29” – Identifies a Visa partner as the issuer. Check Digit – 1 digit computed as a checksum of the Issuer Identifier and the Account Number based on Luhn algorithm.Įxpiration Date must be a valid date in the future (use the mmyy format).ĬVV number can be any 3 digits (ie: 123, 654, etc).įor example, credit card number “4532 2937 2616 5731” consists of:.Account Number – 6 to 9 digits to identify the individual account number.Issuer Identifier – 6 digits to identify the issuer of the card.You can check with your payment gateway provider for cards numbers that trigger specific error codes to simulate different types of transactions.Īll credit card numbers are divided into 3 parts: When using test cards, you can specify an expiry date up to five years in the future and any 3 digits for the CVV code. These card can be used to test the authorization, capture, and credit services. Generate fake Credit Card numbers for eCommerce testing purposes or test transactions purposes only.


How Do You Create Credit Card Number Test Data?
