UnionPay Card Validator & Generator
Verify and generate valid UnionPay credit and debit card numbers for development, testing, and educational purposes.
Card Validator
Luhn Check & BIN Verify
Luhn Algorithm
Uses the MOD-10 checksum formula to verify the mathematical validity of card numbers.
IIN/BIN Database
Identifies the issuing bank and card type based on the first 6-8 digits (IIN).
Card Generator
Generate Mock Data
Comprehensive Guide to UnionPay Cards
What is China UnionPay?
China UnionPay (CUP), also known as UnionPay, is the world's largest card payment organization (by cards in circulation and transaction volume) based in Shanghai, China. Established in 2002, it provides bank card services and a clearing house for financial institutions.
- Only domestic bank card network in China
- Accepted in over 180 countries
- Partnered with over 2,500 institutions
Identifying UnionPay Cards
UnionPay cards follow international standards but have specific identifiers. Most UnionPay cards start with the digits 62.
Security & Structure
A UnionPay card number contains several layers of information, including the Major Industry Identifier (MII), Issuer Identification Number (IIN), and the individual account number.
First Digit (6)
MII: Merchandising and Banking
First 6-8 Digits
IIN/BIN: Identifies the Issuing Bank
Last Digit
Check Digit: Calculated using Luhn formula
Visual representation of a UnionPay card
Frequently Asked Questions
Can I use these cards for actual purchases?
No. These are generated for testing and development purposes only. They pass the mathematical Luhn check but are not linked to any real bank accounts or credit lines.
What is the Luhn Algorithm?
The Luhn algorithm, also known as "modulus 10" or "mod 10", is a simple checksum formula used to validate a variety of identification numbers, such as credit card numbers and IMEI numbers.
How do I know if it's a UnionPay card?
Most UnionPay cards start with '62'. However, some co-branded cards might start with other digits like '4' (Visa) or '5' (Mastercard).
Is this tool free to use?
Yes, our UnionPay Validator and Generator is 100% free and does not require registration. We value your privacy and do not store any entered data.