Debit Card Generator

Debit BIN presets

The preset buttons above the generator fill it with a debit or prepaid prefix and generate a batch. Each prefix comes from a debit or prepaid test card that a payment gateway documents, so the numbers sit in ranges gateways themselves use for funding-type tests. The generated numbers are not those test cards: a gateway sandbox only accepts its exact documented numbers.

Prefixes from debit and prepaid test cards documented by Braintree (Visa prepaid debit), Cybersource (Maestro (UK)), Stripe (Visa Debit, Debit Mastercard, Discover Debit, Prepaid Mastercard), Worldpay (Visa Debit (UK), Mastercard Debit (UK)).

Debit vs. credit card numbers

There is no separate number format for debit cards. A Visa Debit card starts with 4 like any Visa card, a Debit Mastercard with 51–55 or 2221–2720, and both use the same lengths and the same Luhn check digit as credit cards. Whether a card is debit, credit or prepaid is a property of its BIN — the first six to eight digits — which the issuing bank assigns to a product. Two cards from the same bank can share their first digits and still be one debit and one credit card.

That means you can’t detect a debit card from the number’s pattern. You need a BIN lookup (try our BIN checker), or the funding type your payment gateway returns after tokenizing the card.

How common is debit? In the open BIN dataset we use, 55% of 374,788 BINs are listed as debit. The share varies a lot by network:

Source: bin-list-data (CC BY 4.0). Counts BIN entries, not cards in circulation; “prepaid” means the category field mentions prepaid.

Debit card brands and their ranges

• Visa Debit — Visa’s main debit product, starting with 4. Visa Electron, an older debit card that always required an online authorization, also starts with 4 and is now rare.
• Debit Mastercard — Mastercard’s debit product on the normal 51–55 and 2-series ranges. In Europe it replaced Maestro for new cards from July 2023.
• Maestro — Mastercard’s older debit brand with prefixes such as 5018, 5020, 5038, 6304, 6759 and 6761–6763 and lengths from 12 to 19 digits. Some Maestro cards have no CVV, and online payments generally need 3-D Secure. See the Maestro generator.
• RuPay — India’s domestic network, mostly debit cards, with numbers starting with 60, 65, 81, 82 or 508. Because the 65 range overlaps Discover, generic brand detection often labels RuPay cards as Discover; Razorpay documents RuPay test cards for Indian checkouts.
• UnionPay debit — most UnionPay cards are debit cards; they start with 62 and are 16 to 19 digits long.
• Prepaid cards — run on the same networks and ranges, but draw on money loaded in advance instead of a bank account. Gift cards, travel cards and many fintech cards are prepaid.

What changes when you accept debit cards

At checkout a debit card behaves like a credit card: same fields, same authorization, usually the same 3-D Secure step. The differences show up around the payment:

• Funding type in the API. Gateways tell you how a card is funded once it is tokenized. Stripe returns card.funding as credit, debit, prepaid or unknown; Braintree returns debit and prepaid indicators, with test cards such as 4012 0000 3333 0125 (debit) and 4012 0043 3850 8385 (prepaid debit) on our Braintree page.
• Declines for insufficient funds. A debit card is limited by the account balance, so “insufficient funds” is far more common than on credit cards. Test that message and the retry path.
• Subscriptions and holds. Pre-authorizations block real money in the customer’s account, and some merchants refuse prepaid cards for recurring billing. If you do, test the rule with a prepaid number before it reaches customers.
• Fees and surcharges. Debit interchange is regulated in many markets, and in the EU merchants may not surcharge consumer debit or credit cards. Don’t build pricing logic on the card number pattern.
• Combo cards. In Brazil a single card number can work as both credit and debit (cartão múltiplo), so the customer’s choice, not the number, decides the funding.

How to test debit card handling

1. Generate a batch with a preset above and paste the numbers into your form: they should be accepted and get the right brand logo.
2. Try a 19-digit Maestro or Visa number and leave the CVV empty for Maestro; a robust form accepts both.
3. In your gateway’s sandbox, pay with its documented debit and prepaid test cards and check that you read the funding type from the response, not from the number.
4. Simulate an insufficient-funds decline with the gateway’s decline card or trigger (see insufficient funds by gateway).