2026-05-31 · 1 min read
Credit card Luhn testing only
Use test PANs to verify forms—Luhn does not authorize charges or prove card ownership.
paymentstestingPCI
Key takeaways
- Never paste real card numbers into shared browser tools.
- Luhn catches typos; your PSP still owns authorization and fraud checks.
Safe testing habits
Validate checkout UI with published test cards, then run authorization in sandbox mode only.
Redact PANs in screenshots—even test cards should not train bad habits.
FAQ
Are test card numbers public?
Major PSPs publish test PANs—use those instead of random digits.
Does Luhn mean the card is active?
No—it is a checksum, not a live account lookup.