Easily Generate Valid Virtual Credit Cards

A virtual credit card number is considered to be valid if it passes the check known as the Luhn algorithm, which is a mathematical formula used to validate the accuracy of the credit card number. There's no other way to generate a valid credit card number unless it passess this check. This is how the algorithm checks the validity of the credit card number by performing the following steps:

Double the value of every second digit, starting from the right. For example, if the second digit is 5, the new value would be 10.

Add the digits of the resulting numbers together. For example, if the result is 12, the sum would be 3 (1 + 2).

Add all the digits in the original number together, including the doubled digits.

If the total is divisible by 10, the credit card number is considered to be valid.

For example, consider the credit card number 4111 1111 1111 1111. When the Luhn algorithm is applied to this number, it would be processed as follows:

• Double the value of every second digit: 8 2 2 2 2 2 2 2 2 2
• Add the digits of the resulting numbers together: 8+2+2+2+2+2+2+2+2+2 = 22
• Add all the digits in the original number together: 4+1+1+1+1+1+1+1+1+1+1+1+1+1 = 16
• Add the two totals together: 16 + 22 = 38
• The total (38) is divisible by 10, so the credit card number is considered to be valid.

Please note that this is just a simplified explanation of how the Luhn algorithm works. The actual algorithm includes additional steps to ensure the accuracy of the credit card number. And also, real valid working credit card numbers are linked to bank accounts.

Some credit card companies offer virtual credit card numbers as a feature to their customers. You can typically generate a virtual credit card number through your credit card issuer's online account management portal or through a mobile app but here you can also generate a valid virtual credit card number without being linked to any actual credit card accounts. You can specify the expiration date and maximum amount that can be charged to the virtual credit card number, and you can cancel it at any time.

Virtual credit card numbers can be convenient for making online purchases or for situations where you do not want to use your actual credit card number, but it is important to be aware that they may not provide the same level of protection as using a credit card with a chip for in-person transactions.

Each credit card issuers may have different 1st digits such as Visa card that starts with number "4" this is because of the MII or (Major Industry Identifier) these are the first digit of a credit card number, and it is used to identify the type of financial institution that issued the card. The MII is a part of the credit card number that is standardized by the ISO/IEC 7812 standard.

Here is a list of the MIIs used for credit card numbers:

• MII of 1 or 2: Airlines
• MII of 3: Travel and entertainment
• MII of 4: Banking and financial
• MII of 5: Banking and financial
• MII of 6: Merchandising and banking/financial
• MII of 7: Petroleum
• MII of 8: Telecommunications and other industries
• MII of 9: National assignment

The MII is followed by the Issuer Identification Number (IIN), which is the first six digits of the credit card number and is used to identify the specific financial institution that issued the card. The remaining digits of the credit card number, known as the account number, are assigned by the issuing financial institution and are unique to each individual credit card account.

In addition to the MII and IIN, credit card numbers also include a check digit, which is the last digit of the credit card number and is used to verify the integrity of the credit card number. The check digit is calculated using the Luhn algorithm, a simple formula that is used to validate the correctness of the credit card number.

The expiration date of a credit card is determined by the credit card company who issued it and is typically set to be several years in the future about 3 to 5 years ahead some credit cards have 10 year expiration. It depends on the issuer on how many years they set it.

There are a few factors that may influence the expiration date of a credit card:

Credit card regulations: Some countries have regulations that require credit card issuers to set expiration dates for credit cards a little more and a little less. These regulations may specify a minimum or maximum length of time that a credit card can be valid.

Credit card lifecycle: Credit card issuers often set expiration dates based on the typical lifecycle of a credit card. For example, if a credit card issuer expects a credit card to be replaced after three years this might be due to the cards physical deterioration, they may set the expiration date to be three years from the date of issuance.

Credit card features: Some credit card products may have features that require an expiration date to be set. For example, a credit card with a promotional interest rate or a rewards program may have an expiration date to ensure that the promotional offer or rewards program ends at a specific time.

A virtual credit card is a type of credit card that exists only in digital form and is not linked to any physical credit card. It is typically issued by a financial institution or any website that can generate a virtual credit card such as ours and can be used to make online purchases or other transactions where a physical card is not required.

Here's how a virtual credit card works:

• The user generates a virtual credit card through our website and instantly get a valid virtual credit card number with complete details such as CVV and Expiration Date.
• The user can then use the virtual credit card number, expiration date, and security code to make online purchases or other transactions where a physical card is not required.
• The user can also set a spending limit for the virtual credit card and specify the merchants or websites where it can be used.
• When a transaction is made using the virtual credit card, the funds are deducted from the user's credit limit or linked bank account.
• The user can view and manage the transactions made using the virtual credit card through their online account or mobile app.

Virtual credit cards are a convenient and secure way to make online purchases, since they provide an extra layer of security by generating a unique and valid credit card number for each transaction. This helps to protect the user's personal and financial information, as the virtual credit card number is not linked to the user's personal details or bank account.

As mentioned above virtual credit cards are temporary credit cards or disposable cards, which means they also serves as an actual credit card. It doesn't mean that they are disposable cards they wont have security fetaures such as CVV and expiration date.

CVV (card verification value) are included on virtual credit card numbers for two main reasons. First, these security features help to verify that the person making the purchase is in possession of the physical credit card. This is important because the virtual credit card number can only be used once and cannot be used to make additional purchases or to withdraw cash from ATMs.

Expiration Date help to prevent fraudulent activity by limiting the window of time in which the virtual credit card number can be used. If someone were to obtain a virtual credit card number without the proper authorization, they would only be able to use it for a limited period of time before the number becomes invalid.

Overall, the expiration date and CVV on virtual credit card numbers serve as an additional layer of protection for the user, helping to ensure that their credit card information is secure when making online purchases.