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UnionPay Test Card Numbers for Stripe

Complete collection of UnionPay test card numbers for Stripe payment testing. Test successful payments, declines, and UnionPay-specific scenarios for Chinese and international markets.
  • 💳 6200000000000005 (Success)
  • ❌ 6200000000000004 (Decline)
  • 🇨🇳 China market leader
  • 🌍 Global acceptance

Interactive tool

Filters

3 test cards found

Code Generator

Select a test card to generate code

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

UnionPay

China (CN)

Success
6200 0000 0000 0005
CVC
Any 3 digits
Expiry
Any future date
Payment Method ID
pm_card_unionpay

UnionPay card

UnionPaydebit

China (CN)

Success
6200 0000 0000 0047
CVC
Any 3 digits
Expiry
Any future date
Payment Method ID
pm_card_unionpay_debit

UnionPay debit

UnionPay

China (CN)

Success
6205 5000 0000 0000 004
CVC
Any 3 digits
Expiry
Any future date
Payment Method ID
pm_card_unionpay

UnionPay 19-digit

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

1

Choose Your Test Scenario

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

2

Copy Test Data

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

3

Generate Code

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

4

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

💳 UnionPay Test Cards for Stripe

UnionPay is a widely used card brand, making it essential to testUnionPay payment scenarios thoroughly. Stripe provides comprehensiveUnionPay test cards covering success, decline, authentication, and international payment scenarios.

UnionPay is the largest card scheme in China and growing internationally.

Essential for businesses targeting Chinese customers or expanding into China.

UnionPay cards support 3D Secure authentication for enhanced security.

🧪 Common UnionPay Test Scenarios

✅ Successful Payments

Generic Success:6200000000000005
Alternative Success:6240008631401148
UnionPay Debit:6200000000000013

❌ Decline Scenarios

Generic Decline:6200000000000004
Insufficient Funds:6200000000000012

🔐 UnionPay 3D Secure Testing

3D Secure (3DS) authentication is required for many EuropeanUnionPay transactions under Strong Customer Authentication (SCA) regulations. Test both successful and failed 3D Secure flows:

Success:
6200000000000021

Triggers 3D Secure authentication that will succeed after user interaction.

Decline:
6200000000000039

Requires 3D Secure but authentication will fail.

⭐ Special UnionPay Test Cards

UnionPay International:6240008631401148

💻 UnionPay Test Card Code Example

Here's how to create a payment with a UnionPay test card using the Stripe API:

curl https://api.stripe.com/v1/payment_intents \
  -u "sk_test_xxx:" \
  -d amount=2000 \
  -d currency=usd \
  -d payment_method=pm_card_unionpay \
  -d "payment_method_types[]"=card \
  -d confirm=true

Note: Always use test API keys (sk_test_xxx) with test cards. Use any 3-digit CVC and any future expiration date.

Other Stripe Test Cards

💳 JCB

Test JCB payments for Japanese markets

💳 Visa

Test Visa payments and scenarios

💳 Mastercard

Test Mastercard payments and scenarios

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