Businer Discard, Credit Card Generator

Businer's Discard - Credit Card Generator

Credit Card numbers generator and validator.
Generate valid debit and credit card numbers from banks worldwide or create your own BIN pattern (bank code).

Generate a Credit Card Number

Enter a Pattern (BIN):
Or choose a BIN pattern from the list
Generated cards:    Separator:    Data format:    
Add random expiry date Add random CVV
Generate a valid Card Holder's name complete with a virtual fake identity

Validate (Verify) a Credit Card Number

Credit Card #
Generate and lookup credit card BIN codes

Other Generators

Generate a Credit Card's BIN Bank Number Generate a strong secure Password
Generate a Random Name and Fake ID Generate SSN and other IDs

Information and terms of use of Discard debit and credit card generator

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This tool generates information from algorithms, it does not produce actual issued documents nor facsimiles, specimen or samples of real documents.

Generate valid debit and free credit card numbers from banks worldwide or create your own pattern (BIN code).
It includes any IBAN and SWIFT BIC enabled bank and more.
This program is intended for developers who are studying credit or debit cards algorithms, and persons who want to test their own working credit card numbers. Don't try to use DisCard (or similar programs) to attempt actual payments or frauds: nowadays shops, e-commerce websites, and banks check if card numbers they receive were actually been issued, before to send goods or give a paid service.
Credit card companies tend to lead full scale investigations when their cards are misused, and will make every effort to bust fraudsters.
Also avoid so called any stolen or fake credit card number lists.
Carding is a very risky business, and there's not such a thing as free money.
If you want to get some money, have some savings, and build your credit you'd rather get a good job and apply for a real credit card.

Discard (formerly by Elf Qrin aka ElfQrin) verifies and generates credit card numbers, provides fake credit card info about valid credit card numbers. Supports best credit cards 2024 and 2025: Visa, MasterCard, and Discover, American Express (AmEx), Diners Club, Carte Blanche, JCB. It also includes Maestro, Visa Electron, and other Credit and Debit Card and ATM related cards of banks, entities and networks worldwide such as Oportun, FNBO, Tomo, BJS, Verve, Chime, Open Sky, Turbo Turbotax Card, Ollo, Zaffiro, Mission Lane, Key2benefits, Doordash, Carters, Burlington, Fortiva, Indigo, Samsclub, Mercury, Venmo, Wayfair, Comenity Bank, Apple Card, Razer. Further features and benefits associated to the cards don't affect the functionality of the generator: it will work regardless of balance, login, chip and pin, pre-qualified, pre-approved or otherwise. It also supports any currency, including US Dollar (USD), European Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Chinese Yuan (CNY), and all the others, also including any cryptocurrencies with and without blockchain architecture like Bitcoin (BTC) and Ethereum (Ether, ETH), and other types you may have in your investment wallet.

Card holder's name and expiry date are not coded into the card number, thus any name and expiry date can be associated to any valid number.

The card security code (CSC), also known as Card Verification Value (CVV or CVV2), isn't coded in the card number, either. Discard generates genuine credit card numbers with cvv (as a random number).
Online purchases often require an extra security process called 3D secure where the user is redirected to the bank's app or website to authorize the payment.
Further security measures for offline purchases are chip and signature (used to be swipe and signature in the past) which requires the user to sign a receipt after buying good or services with his card, or chip and pin, when the user have to enter a code (tipically a 4 digits number) in the numeric pad of a device to pay with the card. Contactless cards don't require signature or pin for small amounts (generally up to about 25 USD or EUR).

Credit Card Frequently Asked Questions (FAQ)

This document contains questions and answers that address most popular doubts and issues about credit cards and debit cards.

What is a credit card generator?

A credit card generator creates fake but valid credit card numbers using the same algorithms used by banks and card networks to issue their cards. Discard Card Generator can also use the BIN code (bank identifier) of any bank in the world. Since generated cards are not actually connected to any bank account, they have no funds and can't be used to purchase goods or services, but they are mainly meant to test e-commerce payment systems.

What is credit card number and CVV?

The credit card number (also known as PAN, which is the short for Payment Card Number, or Primary Account Number) is the number on the front of the card. It's often embossed and it's tipically made of 16 digits, but it might vary depending on issuer and networks. The CVV is the security number on the back of the card, tipically made of 3 digits.

Who is the credit card holder?

The credit card holder is the person to whom the credit card is registered, whose name is printed on the credit card on physical cards.

What credit cards allow a cosigner?

A credit card holder may ask the bank to have another person authorized to use their card.

How many credit cards should you have?

You'd better have at least two debit or credit cards of two different networks (for example Visa and MasterCard) so that one of the cards is refused or one network is not available for whatever reason, you still can have funds and buy goods or services with the other card.

What credit cards should I have? What credit cards can I get? What credit cards are accepted worldwide? Which credit cards do accept online stores?

Most accepted credit cards all over the world are Visa and MasterCard.

Who uses credit cards? How credit cards work?

Everybody, many adults anywhere in the world own more than one credit card. Nowadays most shops accept credit cards and they can be used to make purchases online.

Why credit cards are important? Are credit cards bad? Are credit cards good?

Credit cards aren't intrinsecally good or bad. They make payments quick and easy. Unfortunately they can be misused for frauds, or in good faith by people that may spend too much.

Are credit cards considered money? Why credit cards are not money?

Credit cards are not properly money, they have no legal tender, they must be covered by the credit of the holder, but they work as replacement for money in most situations.

Are credit cards free? Why credit cards charge annual fee?

Credit card companies generally charge a fee to cover their expense, which include card protection cover to refund from losses for stolen, lost, or cloned cards.

Why do we need a credit card number generator?

Generated numbers are useful for tests, to check apps and software against different scenarios. They could also use to complete the profile of fictional characters for online games, table games, or novels.

What are fake credit cards?

There aren't fake credit cards unless you mean a counterfeit plastic card with a fake number on it. Fake credit card numbers are another name for generated card numbers. They are numbers not actually issued by a credit card network (such as Visa or Mastercard).

Can you use a fake credit card number for a free trial?

No, unless the merchant allows it.

Is it illegal to use a credit card generator?

No, a credit card generator simply returns number based on an algorithm. Such numbers are not linked to any actually issued card, bank account, person, or company. However, while using a generator is not illegal by itself, it's illegal to use generated numbers for frauds, even though when you purchase a good or a service the merchant will check if the card has sufficient funds (if any) before to authorize the transaction.

Is it possible that 2 credit cards have the same last 4 digits?

Yes, there's the possibility that two or more cards share the last four digits, but it's highly unlikely. The oods are 2 cards every 10'000. Normally on receipts only the last four digits of a card are shown for safety reasons (this is an anti-fraud measure known as PAN truncation, where PAN is the card number), so that you know which card have you used, but should you lose the receipt noone can know your full card number.

Is it safe to share the CVV number?

No, the CVV number must be kept secret. It's a verication number used especially for online purchases. Only use it on trusted websites and over a secure connection (https).

Are credit cards insured? Which credit cards offer price protection?

Most credit card companies protect their customers from frauds or other risks arising out from stolen, lost, or cloned cards. Sometimes, they offer extra protections, like travel insurance.

Why credit cards are stolen? Why credit cards are cloned? Why credit card numbers are stolen?

Just like any other human activities, credit cards can be targeted by criminals. Credit card companies usually offer card protection cover to protect their customers from frauds.

Can credit cards be tracked? Can you get caught using fake credit cards?

When you use a credit card you leave traces: the operation is traced, the money transfer from the source to the destination is traced, and if you operate online there will be a trace for the online activity too.

When credit cards are reported?

Anytime credit cards are misused they are reported.

Why credit cards have PIN?

The PIN of a credit card should be known only by people authorized to use such card. It's a security measure meant to prevent strangers to make payments or misuse the card.

Where is the security code?

The security code is normally a three digits number printed in the back of the card.

When a credit card expires? Why credit cards expires?

Credit cards expire because they are reissued periodically to make sure they are still funded and they can still be honored. The expiration date (and sometimes the issuing date) is printed on the front of the card.

Why credit cards offer rewards?

Many credit card companies run loyalty programs that offer cash back or points to keep their customers. Sometimes they are tied with loyalty programs offered by other companies, like air miles of airlines for their frequent flyers.

Why credit cards are good for college students? Why credit cards are bad for college students?

Credit cards are practical and useful to students because they can be recharged remotely by their parents.

Can credit cards be used internationally?

Yes, credit cards are accepted almost anywhere in the world and also on online shops and marketplaces, like Amazon or eBay. Your bank may block some foreign countries for safety reasons, but you may ask to unblock them if you have to travel there.

What's the material used to make credit cards? Are credit cards recyclable?

Most cards are made of polyvinyl chloride (PVC). Their plastic is not easily recyclable and in fact they are hardly recicled.
Some companies, like American Express or N26, are also issuing metal credit cards (for example American Express Centurion Card, also known as Black Card, which is invitation only).

Can credit cards get wet? Are credit cards waterproof?

Yes, credit cards are waterproof, even in salt water. Even their chips are sealed in epoxy resin.

Declined Card Messages

Decline TypeMessage for the CustomerMessage for the Merchant

Insufficient Funds

The transaction was declined due to insufficient funds in your account. Please use a different card or contact your bank. The card has insufficient funds to cover the cost of the transaction.


Your card was declined. In order to resolve the issue, you will need to contact your bank. The customer's bank has declined their card. The customer will need to contact their bank to learn the cause.

Temporary Hold

Your card has a temporary hold. Please use a different card or contact your bank. The issuing bank has a temporary hold on the card. ('Do Not Honor' response).

Fraud Stolen Card

The transaction was declined. Please use a different card or contact your bank. The card has been designated as lost or stolen; contact the issuing bank.

Invalid Card or Account Number

Your card number is not valid. Please update your card number. The credit card number is not valid. The customer needs to try a different number.

Expired Card

Your credit card is expired, please update your card. The payment gateway declined the transaction because the expiration date is expired or does not match.