How are Stripe test cards organized by brand and country?

Stripe provides specific test card numbers for different brands (Visa, Mastercard, Amex, etc.) and countries. Each test card simulates real payment behavior for that specific brand and region, including local payment methods and regulations like SCA in Europe.

What decline codes can I test with Stripe test cards?

You can test various decline scenarios including insufficient_funds, stolen_card, lost_card, expired_card, incorrect_cvc, processing_error, and card_velocity_exceeded. Each scenario uses specific test card numbers that trigger the corresponding decline code.

How do I test 3D Secure (SCA) payments with Stripe?

Use specific 3D Secure test cards like 4000000000003220 for successful authentication or 4000008400001629 for declined authentication. These cards trigger the 3D Secure flow in test mode, allowing you to test Strong Customer Authentication (SCA) requirements.

Can I simulate Stripe webhook events for testing?

Yes, use the Stripe CLI to trigger webhook events like "stripe trigger payment_intent.succeeded" or "stripe trigger charge.dispute.created". This allows you to test your webhook endpoints without processing real payments.

What's the difference between PaymentMethod IDs and test card numbers?

PaymentMethod IDs (like pm_card_visa) are preferred for server-side API calls as they're more secure and PCI-compliant. Test card numbers (like 4242424242424242) are used for interactive testing in payment forms. Both achieve the same testing results.

Are there special test cards for HSA/FSA payments?

Yes, Stripe provides specific HSA/FSA test cards: 4000051200000072 for Visa HSA/FSA and 5200828282828897 for Mastercard HSA/FSA. These cards simulate Health Savings Account and Flexible Spending Account payment behavior.

Free Testing Tool

Stripe Test Cards & Testing Companion

Complete testing toolkit for Stripe payments. Find test card numbers by brand, country, and scenario. Generate code snippets, simulate webhooks, and test 3D Secure payments - all based on official Stripe documentation.

✓ Official Stripe test data✓ Code snippet generation✓ Webhook simulation✓ 3D Secure testing

Filters

Card Brand

Country

Scenario

Card Type

Requires 3D Secure

132 test cards found

Code Generator

Amount (cents)

Currency

Language

Select a test card to generate code

Ready to Launch?

Once your Stripe integration is tested, launch an affiliate program to let others promote your business.

How it works

Webhook Events

payment_intent.succeeded

Payment succeeded

payment_intent.payment_failed

Payment failed

charge.succeeded

Charge succeeded

charge.failed

Charge failed

charge.dispute.created

Dispute created

invoice.payment_succeeded

Invoice payment succeeded

invoice.payment_failed

Invoice payment failed

customer.subscription.created

Subscription created

customer.subscription.updated

Subscription updated

customer.subscription.deleted

Subscription cancelled

💡 Tip: Use stripe listen --forward-to localhost:3000/webhook to test webhooks locally

💳

Visa

🌍United States (US)

Success

4242 4242 4242 4242

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_visa

Generic success test card

💳

Visadebit

🌍United States (US)

Success

4000 0566 5566 5556

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_visa_debit

Visa debit card

💳

Mastercard

🌍United States (US)

Success

5555 5555 5555 4444

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_mastercard

Generic Mastercard success

💳

Mastercard

🌍United States (US)

Success

2223 0031 2200 3222

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_mastercard

Mastercard 2-series

💳

Mastercarddebit

🌍United States (US)

Success

5200 8282 8282 8210

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_mastercard_debit

Mastercard debit

💳

Mastercardprepaid

🌍United States (US)

Success

5105 1051 0510 5100

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_mastercard_prepaid

Mastercard prepaid

💳

American Express

🌍United States (US)

Success

3782 8224 6310 005

CVC

any4

Expiry

Any future date

Payment Method ID

pm_card_amex

American Express

💳

American Express

🌍United States (US)

Success

3714 4963 5398 431

CVC

any4

Expiry

Any future date

Payment Method ID

pm_card_amex

American Express alternative

💳

Discover

🌍United States (US)

Success

6011 1111 1111 1117

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_discover

Discover card

💳

Discover

🌍United States (US)

Success

6011 0009 9013 9424

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_discover

Discover card alternative

💳

Discoverdebit

🌍United States (US)

Success

6011 9811 1111 1113

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_discover_debit

Discover debit

💳

Diners Club

🌍United States (US)

Success

3056 9300 0902 0004

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_diners

Diners Club

💳

Diners Club

🌍United States (US)

Success

3622 7206 2716 67

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_diners

Diners Club 14-digit

🌍France (FR)

Success

4000 0025 0000 1001

CVC

Any 3 digits

Expiry

Any future date

Cartes Bancaires/Visa co-brand

💳

Mastercard

🌍France (FR)

Success

5555 5525 0000 1001

CVC

Any 3 digits

Expiry

Any future date

Cartes Bancaires/Mastercard co-brand

💳

Visa

🌍Australia (AU)

Success

4000 0503 6000 0001

CVC

Any 3 digits

Expiry

Any future date

eftpos Australia/Visa co-brand

💳

Mastercard

🌍Australia (AU)

Success

5555 0503 6000 0080

CVC

Any 3 digits

Expiry

Any future date

eftpos Australia/Mastercard co-brand

💳

Visa

🌍Argentina (AR)

Success

4000 0003 2000 0021

CVC

Any 3 digits

Expiry

Any future date

Argentina Visa

💳

Visa

🌍Brazil (BR)

Success

4000 0007 6000 0002

CVC

Any 3 digits

Expiry

Any future date

Brazil Visa

💳

Visa

🌍Canada (CA)

Success

4000 0012 4000 0000

CVC

Any 3 digits

Expiry

Any future date

Canada Visa

💳

Visa

🌍Chile (CL)

Success

4000 0015 2000 0001

CVC

Any 3 digits

Expiry

Any future date

Chile Visa

💳

Visa

🌍Colombia (CO)

Success

4000 0017 0000 0003

CVC

Any 3 digits

Expiry

Any future date

Colombia Visa

💳

Visa

🌍Costa Rica (CR)

Success

4000 0018 8000 0005

CVC

Any 3 digits

Expiry

Any future date

Costa Rica Visa

💳

Visa

🌍Ecuador (EC)

Success

4000 0021 8000 0000

CVC

Any 3 digits

Expiry

Any future date

Ecuador Visa

💳

Visa

🌍Mexico (MX)

Success

4000 0048 4000 8001

CVC

Any 3 digits

Expiry

Any future date

Mexico Visa

💳

Carnet

🌍Mexico (MX)

Success

5062 2100 0000 0009

CVC

Any 3 digits

Expiry

Any future date

Mexico Carnet

💳

Visa

🌍Panama (PA)

Success

4000 0059 1000 0000

CVC

Any 3 digits

Expiry

Any future date

Panama Visa

💳

Visa

🌍Paraguay (PY)

Success

4000 0060 0000 0066

CVC

Any 3 digits

Expiry

Any future date

Paraguay Visa

💳

Visa

🌍Peru (PE)

Success

4000 0060 4000 0068

CVC

Any 3 digits

Expiry

Any future date

Peru Visa

💳

Visa

🌍Uruguay (UY)

Success

4000 0085 8000 0003

CVC

Any 3 digits

Expiry

Any future date

Uruguay Visa

💳

Visa

🌍United Arab Emirates (AE)

Success

4000 0078 4000 0001

CVC

Any 3 digits

Expiry

Any future date

United Arab Emirates Visa

💳

Mastercard

🌍United Arab Emirates (AE)

Success

5200 0078 4000 0022

CVC

Any 3 digits

Expiry

Any future date

United Arab Emirates Mastercard

💳

Visa

🌍Austria (AT)

Success

4000 0004 0000 0008

CVC

Any 3 digits

Expiry

Any future date

Austria Visa

💳

Visa

🌍Belgium (BE)

Success

4000 0005 6000 0004

CVC

Any 3 digits

Expiry

Any future date

Belgium Visa

💳

Visa

🌍Bulgaria (BG)

Success

4000 0010 0000 0000

CVC

Any 3 digits

Expiry

Any future date

Bulgaria Visa

💳

Visa

🌍Belarus (BY)

Success

4000 0011 2000 0005

CVC

Any 3 digits

Expiry

Any future date

Belarus Visa

💳

Visa

🌍Croatia (HR)

Success

4000 0019 1000 0009

CVC

Any 3 digits

Expiry

Any future date

Croatia Visa

💳

Visa

🌍Cyprus (CY)

Success

4000 0019 6000 0008

CVC

Any 3 digits

Expiry

Any future date

Cyprus Visa

💳

Visa

🌍Czech Republic (CZ)

Success

4000 0020 3000 0002

CVC

Any 3 digits

Expiry

Any future date

Czech Republic Visa

💳

Visa

🌍Denmark (DK)

Success

4000 0020 8000 0001

CVC

Any 3 digits

Expiry

Any future date

Denmark Visa

💳

Visa

🌍Estonia (EE)

Success

4000 0023 3000 0009

CVC

Any 3 digits

Expiry

Any future date

Estonia Visa

💳

Visa

🌍Finland (FI)

Success

4000 0024 6000 0001

CVC

Any 3 digits

Expiry

Any future date

Finland Visa

💳

Visa

🌍France (FR)

Success

4000 0025 0000 0003

CVC

Any 3 digits

Expiry

Any future date

France Visa

💳

Visa

🌍Germany (DE)

Success

4000 0027 6000 0016

CVC

Any 3 digits

Expiry

Any future date

Germany Visa

💳

Visa

🌍Gibraltar (GI)

Success

4000 0029 2000 0005

CVC

Any 3 digits

Expiry

Any future date

Gibraltar Visa

💳

Visa

🌍Greece (GR)

Success

4000 0030 0000 0030

CVC

Any 3 digits

Expiry

Any future date

Greece Visa

💳

Visa

🌍Hungary (HU)

Success

4000 0034 8000 0005

CVC

Any 3 digits

Expiry

Any future date

Hungary Visa

💳

Visa

🌍Ireland (IE)

Success

4000 0037 2000 0005

CVC

Any 3 digits

Expiry

Any future date

Ireland Visa

💳

Visa

🌍Italy (IT)

Success

4000 0038 0000 0008

CVC

Any 3 digits

Expiry

Any future date

Italy Visa

💳

Visa

🌍Latvia (LV)

Success

4000 0042 8000 0005

CVC

Any 3 digits

Expiry

Any future date

Latvia Visa

💳

Visa

🌍Liechtenstein (LI)

Success

4000 0043 8000 0004

CVC

Any 3 digits

Expiry

Any future date

Liechtenstein Visa

💳

Visa

🌍Lithuania (LT)

Success

4000 0044 0000 0000

CVC

Any 3 digits

Expiry

Any future date

Lithuania Visa

💳

Visa

🌍Luxembourg (LU)

Success

4000 0044 2000 0006

CVC

Any 3 digits

Expiry

Any future date

Luxembourg Visa

💳

Visa

🌍Malta (MT)

Success

4000 0047 0000 0007

CVC

Any 3 digits

Expiry

Any future date

Malta Visa

💳

Visa

🌍Netherlands (NL)

Success

4000 0052 8000 0002

CVC

Any 3 digits

Expiry

Any future date

Netherlands Visa

💳

Visa

🌍Norway (NO)

Success

4000 0057 8000 0007

CVC

Any 3 digits

Expiry

Any future date

Norway Visa

💳

Visa

🌍Poland (PL)

Success

4000 0061 6000 0005

CVC

Any 3 digits

Expiry

Any future date

Poland Visa

💳

Visa

🌍Portugal (PT)

Success

4000 0062 0000 0007

CVC

Any 3 digits

Expiry

Any future date

Portugal Visa

💳

Visa

🌍Romania (RO)

Success

4000 0064 2000 0001

CVC

Any 3 digits

Expiry

Any future date

Romania Visa

💳

Visa

🌍Saudi Arabia (SA)

Success

4000 0068 2000 0007

CVC

Any 3 digits

Expiry

Any future date

Saudi Arabia Visa

💳

Visa

🌍Slovenia (SI)

Success

4000 0070 5000 0006

CVC

Any 3 digits

Expiry

Any future date

Slovenia Visa

💳

Visa

🌍Slovakia (SK)

Success

4000 0070 3000 0001

CVC

Any 3 digits

Expiry

Any future date

Slovakia Visa

💳

Visa

🌍Spain (ES)

Success

4000 0072 4000 0007

CVC

Any 3 digits

Expiry

Any future date

Spain Visa

💳

Visa

🌍Sweden (SE)

Success

4000 0075 2000 0008

CVC

Any 3 digits

Expiry

Any future date

Sweden Visa

💳

Visa

🌍Switzerland (CH)

Success

4000 0075 6000 0009

CVC

Any 3 digits

Expiry

Any future date

Switzerland Visa

💳

Visa

🌍United Kingdom (GB)

Success

4000 0082 6000 0000

CVC

Any 3 digits

Expiry

Any future date

United Kingdom Visa

💳

Visadebit

🌍United Kingdom (GB)

Success

4000 0582 6000 0005

CVC

Any 3 digits

Expiry

Any future date

United Kingdom Visa debit

💳

Mastercard

🌍United Kingdom (GB)

Success

5555 5582 6555 4449

CVC

Any 3 digits

Expiry

Any future date

United Kingdom Mastercard

💳

Visa

🌍Australia (AU)

Success

4000 0003 6000 0006

CVC

Any 3 digits

Expiry

Any future date

Australia Visa

💳

Visa

🌍China (CN)

Success

4000 0015 6000 0002

CVC

Any 3 digits

Expiry

Any future date

China Visa

💳

Visa

🌍Hong Kong (HK)

Success

4000 0034 4000 0004

CVC

Any 3 digits

Expiry

Any future date

Hong Kong Visa

💳

Visa

🌍India (IN)

Success

4000 0035 6000 0008

CVC

Any 3 digits

Expiry

Any future date

India Visa

💳

Visa

🌍Japan (JP)

Success

4000 0039 2000 0003

CVC

Any 3 digits

Expiry

Any future date

Japan Visa

💳

JCB

🌍Japan (JP)

Success

3530 1113 3330 0000

CVC

Any 3 digits

Expiry

Any future date

Japan JCB

💳

Visa

🌍Malaysia (MY)

Success

4000 0045 8000 0002

CVC

Any 3 digits

Expiry

Any future date

Malaysia Visa

💳

Visa

🌍New Zealand (NZ)

Success

4000 0055 4000 0008

CVC

Any 3 digits

Expiry

Any future date

New Zealand Visa

💳

Visa

🌍Singapore (SG)

Success

4000 0070 2000 0003

CVC

Any 3 digits

Expiry

Any future date

Singapore Visa

💳

Visa

🌍Taiwan (TW)

Success

4000 0015 8000 0008

CVC

Any 3 digits

Expiry

Any future date

Taiwan Visa

💳

Visa

🌍Thailand (TH)

Success

4000 0076 4000 0003

CVC

Any 3 digits

Expiry

Any future date

Thailand Visa credit

💳

Visadebit

🌍Thailand (TH)

Success

4000 0576 4000 0008

CVC

Any 3 digits

Expiry

Any future date

Thailand Visa debit

💳

Visa

🌍United States (US)

Special

4000 0512 3000 0072

CVC

Any 3 digits

Expiry

Any future date

HSA/FSA Visa card

💳

Mastercard

🌍United States (US)

Special

5200 8282 8282 8897

CVC

Any 3 digits

Expiry

Any future date

HSA/FSA Mastercard

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 0002

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclined

Generic decline

Error Code

card_declined

Decline Code

generic_decline

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 9995

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedInsufficientFunds

Insufficient funds decline

Error Code

card_declined

Decline Code

insufficient_funds

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 9987

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedLostCard

Lost card decline

Error Code

card_declined

Decline Code

lost_card

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 9979

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedStolenCard

Stolen card decline

Error Code

card_declined

Decline Code

stolen_card

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 0069

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedExpiredCard

Expired card decline

Error Code

expired_card

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 0127

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedIncorrectCvc

Incorrect CVC decline

Error Code

incorrect_cvc

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 0119

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_chargeDeclinedProcessingError

Processing error decline

Error Code

processing_error

💳

Visa

🌍United States (US)

Decline

4242 4242 4242 4241

CVC

Any 3 digits

Expiry

Any future date

Incorrect number decline

Error Code

incorrect_number

💳

Visa

🌍United States (US)

Decline

4000 0000 0000 6975

CVC

Any 3 digits

Expiry

Any future date

Exceeding velocity limit decline

Error Code

card_declined

Decline Code

card_velocity_exceeded

🌍United States (US)

Success

4000 0000 0000 9235

CVC

Any 3 digits

Expiry

Any future date

Elevated risk - might be queued for review

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0101

CVC

Any 3 digits

Expiry

Any future date

CVC check fails if you provide a CVC number

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0036

CVC

Any 3 digits

Expiry

Any future date

Postal code check fails if you provide a postal code

💳

Visa

🌍United States (US)

Success

4000 0584 0030 7872

CVC

Any 3 digits

Expiry

Any future date

CVC check fails with elevated risk

💳

Visa

🌍United States (US)

Success

4000 0584 0030 6072

CVC

Any 3 digits

Expiry

Any future date

Postal code check fails with elevated risk

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0028

CVC

Any 3 digits

Expiry

Any future date

Address line 1 check fails

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0010

CVC

Any 3 digits

Expiry

Any future date

Address postal code and line 1 checks both fail

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0044

CVC

Any 3 digits

Expiry

Any future date

Address postal code and line 1 checks are both unavailable

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0259

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds, then disputed as fraudulent

💳

Visa

🌍United States (US)

Success

4000 0000 0000 2685

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds, then disputed as product not received

💳

Visa

🌍United States (US)

Success

4000 0000 0000 1976

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds, then disputed as inquiry

💳

Visa

🌍United States (US)

Success

4000 0000 0000 5423

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds, then receives early fraud warning

💳

🌍United States (US)

Success

4000 0038 0000 0446

CVC

Any 3 digits

Expiry

Any future date

Already set up for off-session use

💳

Visa

🌍United States (US)

Decline

3DS

4000 0082 6000 3178

CVC

Any 3 digits

Expiry

Any future date

Requires authentication but declined with insufficient funds

Error Code

card_declined

Decline Code

insufficient_funds

💳

Visa

🌍United States (US)

3D Secure

3DS

4000 0000 0000 3220

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_threeDSecure2Required

3D Secure authentication required for success

💳

Visa

🌍United States (US)

Decline

3DS

4000 0084 0000 1629

CVC

Any 3 digits

Expiry

Any future date

Payment Method ID

pm_card_threeDSecureRequired

3D Secure required but payment declined after authentication

Error Code

card_declined

💳

Visa

🌍United States (US)

Decline

3DS

4000 0084 0000 1280

CVC

Any 3 digits

Expiry

Any future date

3D Secure required but lookup fails with processing error

Error Code

card_declined

💳

Visa

🌍United States (US)

Success

4000 0000 0000 3055

CVC

Any 3 digits

Expiry

Any future date

3D Secure supported but not required

💳

Visa

🌍United States (US)

Success

4000 0000 0000 3097

CVC

Any 3 digits

Expiry

Any future date

3D Secure supported but attempts result in processing error

💳

American Express

🌍United States (US)

Success

3782 8224 6310 005

CVC

any4

Expiry

Any future date

3D Secure not supported on this card

💳

Visa

🌍United States (US)

Captcha

4000 0000 0000 1208

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds if user correctly answers captcha challenge

💳

Visa

🌍United States (US)

Captcha

4000 0000 0000 3725

CVC

Any 3 digits

Expiry

Any future date

Charge succeeds if user correctly answers captcha challenge

💳

Visa

🌍United States (US)

Success

4001 0070 2000 0002

CVC

Any 3 digits

Expiry

Any future date

Simulates payment where cardholder enters offline PIN

💳

Visa

🌍United States (US)

Success

4000 0082 6000 0075

CVC

Any 3 digits

Expiry

Any future date

SCA-triggered retry flow with offline PIN

💳

Visa

🌍United States (US)

Success

4001 0003 6000 0005

CVC

Any 3 digits

Expiry

Any future date

Simulates payment where cardholder enters online PIN

💳

Visa

🌍United States (US)

Success

4000 0027 6000 0008

CVC

Any 3 digits

Expiry

Any future date

SCA-triggered retry flow with online PIN

💳

Visa

🌍United States (US)

Success

4000 0000 0000 7726

CVC

Any 3 digits

Expiry

Any future date

Refund starts as pending, then transitions to succeeded

💳

Visa

🌍United States (US)

Success

4000 0000 0000 5126

CVC

Any 3 digits

Expiry

Any future date

Refund starts as succeeded, then transitions to failed

💳

Visa

🌍United States (US)

Success

4000 0000 0000 0077

CVC

Any 3 digits

Expiry

Any future date

US charge - funds added directly to available balance

💳

Visa

🌍Ireland (IE)

Success

4000 0037 2000 0278

CVC

Any 3 digits

Expiry

Any future date

International charge - funds added directly to available balance

Complete Stripe Testing Reference

This testing companion provides instant access to all official Stripe test cards, organized by brand, country, and testing scenario. Whether you're testing successful payments, decline codes, 3D Secure authentication, or webhook events, find the exact test data you need.

All test card numbers and scenarios are sourced directly from the official Stripe testing documentation, ensuring accuracy and compliance with Stripe's testing requirements.

🛡️ Testing Best Practices

✅ Do

• Always use test API keys (sk_test_xxx, pk_test_xxx)
• Use PaymentMethod IDs for server-side code
• Test all payment scenarios your app supports
• Verify webhook handling with Stripe CLI
• Test 3D Secure flows for European customers

❌ Don't

• Never use real card details in test mode
• Don't use sandbox for load testing
• Avoid hardcoding test card numbers in production
• Don't ignore rate limits in test environment
• Don't skip testing decline scenarios

🚀 Quick Start Guide

Choose Your Test Scenario

Filter by brand, country, or scenario to find the right test card for your use case.

Copy Test Data

Click any test card to select it, then copy the card number or PaymentMethod ID.

Generate Code

Use the code generator to create payment integration snippets in your preferred language.

Test Webhooks

Use the provided Stripe CLI commands to simulate webhook events and test your endpoints.

🧪 Common Testing Scenarios

💳 Basic Payments

Test successful payments with different card brands and countries.

Cards: Visa (4242...), Mastercard (5555...), Amex (3782...)

❌ Decline Handling

Test various decline scenarios and error handling.

Scenarios: Insufficient funds, stolen card, expired card

🔐 3D Secure

Test Strong Customer Authentication (SCA) flows.

Cards: 4000000000003220 (success), 4000008400001629 (decline)

💡 PaymentMethod IDs vs Test Card Numbers

✓Recommended: PaymentMethod IDs

pm_card_visa
pm_card_mastercard
pm_card_amex

• PCI-compliant by default
• Perfect for server-side API calls
• No card data handling required
• Production-ready code structure

!Interactive Testing: Card Numbers

4242 4242 4242 4242
5555 5555 5555 4444
3782 822463 10005

• Use in payment forms only
• Any future expiry date (12/34)
• Any 3-digit CVC (4 for Amex)
• Don't hardcode in production

🏦 Testing Non-Card Payment Methods

Stripe supports various non-card payment options like digital wallets and bank transfers. Each payment method has special test values for comprehensive testing.

ACH Direct Debit

US bank account payments

Test with instant verification via Financial Connections

SEPA Direct Debit

European bank transfers

Test mandate confirmation flows

Link by Stripe

One-click checkout

Use any valid email + test OTP codes

Redirect Methods

iDEAL, Sofort, etc.

Test redirect flows and return URLs

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⚙️ Testing Environment Setup

API Keys Configuration

Test Keys (Required)

pk_test_xxx... - Publishable key

sk_test_xxx... - Secret key

Live Keys (Production)

pk_live_xxx... - Publishable key

sk_live_xxx... - Secret key

Rate Limits & Load Testing

⚠️

Important Limitations

• Testing environments have stricter rate limits
• Don't use sandbox for load testing (use alternative approaches)
• 429 HTTP errors indicate rate limiting - reduce request frequency
• Production rate limits are more generous than test environment

Email Testing for Bank Payments

Test Email Format

{username}+test_email@{domain}

Example: info+test_email@example.comfor testing ACH Direct Debit mandate confirmations and microdeposit emails.

🔗 Testing Link by Stripe

Setup Requirements

✓Domain registration required
✓Works with cards and US bank accounts
✓Use any valid email for sandbox accounts
⚠Don't store real user data in sandbox

Test OTP Codes

Any 6 digits (not listed)Success

000001Invalid code

000002Code expired

000003Max attempts

Ready to Accept Payments with Stripe?

Once you've tested your integration, launch an affiliate program to let others promote your Stripe-powered business and drive more revenue.

Launch Affiliate Program Stripe Testing Docs

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