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On this page
  • How to use test cards
  • Cards by brand
  • Cards by Country
  • Declined payments
  • Fraud prevention
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  1. Getting Paid

Test Payments

Simulate payments to test your integration.

PreviousTax-inclusive PricingNextCheckout Choice

Last updated 3 months ago

Simulate payments to test your integration.

To confirm that your integration works correctly, simulate transactions without moving any money using special values in test mode.

Test cards let you simulate several scenarios:

  • Successful payments by card brand or country

  • Card errors due to declines, fraud, or invalid data

  • Disputes and refunds

  • Authentication with 3D Secure and PINs

Testing non-card payments works similarly. Each payment method has its own special values. Because of rate limits, we don’t recommend using test mode to load-test your integration. Instead, see our documentation on load testing.

How to use test cards

Any time you work with a test card - it has to be used in Test Mode / Sandbox Mode. This is true whether you’re serving a payment form to test interactively or writing test code.

Common mistake

Don’t use real card details. Use your test API keys and the card numbers below.

Testing interactively

When testing interactively, use a card number, such as 4242 4242 4242 4242. Enter the card number in the Dashboard or in any payment form.

  • Use a valid future date, such as 12/34.

  • Use any three-digit CVC (four digits for American Express cards).

  • Use any value you like for other form fields.

Test code

To simulate a successful payment for a specific card brand, use test cards from the following list.

Caution

Cross-border fees are assessed based on the country of the card issuer. Cards where the issuer country isn’t the US (such as JCB and UnionPay) might be subject to a cross-border fee, even in test mode.

Card Numbers

BRAND
NUMBER
CVC
DATE

Visa

4242 4242 4242 4242

Any 3 digits

Any future date

Visa (debit)

4000 0566 5566 5556

Any 3 digits

Any future date

Mastercard

5555 5555 5555 4444

Any 3 digits

Any future date

Mastercard (2-series)

2223 0031 2200 3222

Any 3 digits

Any future date

Mastercard (debit)

5200 8282 8282 8210

Any 3 digits

Any future date

Mastercard (prepaid)

5105 1051 0510 5100

Any 3 digits

Any future date

American Express

3782 822463 10005

Any 4 digits

Any future date

American Express

3714 496353 98431

Any 4 digits

Any future date

Discover

6011 1111 1111 1117

Any 3 digits

Any future date

Discover

6011 0009 9013 9424

Any 3 digits

Any future date

Discover (debit)

6011 9811 1111 1113

Any 3 digits

Any future date

Diners Club

3056 9300 0902 0004

Any 3 digits

Any future date

Diners Club (14-digit card)

3622 720627 1667

Any 3 digits

Any future date

BCcard and DinaCard

6555 9000 0060 4105

Any 3 digits

Any future date

JCB

3566 0020 2036 0505

Any 3 digits

Any future date

UnionPay

6200 0000 0000 0005

Any 3 digits

Any future date

UnionPay (debit)

6200 0000 0000 0047

Any 3 digits

Any future date

UnionPay (19-digit card)

6205 5000 0000 0000 004

Any 3 digits

Any future date

BRAND
PAYMENTMETHOD

Visa

pm_card_visa

Visa (debit)

pm_card_visa_debit

Mastercard

pm_card_mastercard

Mastercard (debit)

pm_card_mastercard_debit

Mastercard (prepaid)

pm_card_mastercard_prepaid

American Express

pm_card_amex

Discover

pm_card_discover

Diners Club

pm_card_diners

JCB

pm_card_jcb

UnionPay

pm_card_unionpay

BRAND
TOKEN

Visa

tok_visa

Visa (debit)

tok_visa_debit

Mastercard

tok_mastercard

Mastercard (debit)

tok_mastercard_debit

Mastercard (prepaid)

tok_mastercard_prepaid

American Express

tok_amex

Discover

tok_discover

Diners Club

tok_diners

JCB

tok_jcb

UnionPay

tok_unionpay

Most Cartes Bancaires and eftpos cards are co-branded with either Visa or Mastercard. The test cards in the following table simulate successful payments with co-branded cards.

BRAND/CO-BRAND
NUMBER
CVC
DATE

Cartes Bancaires/Visa

4000 0025 0000 1001

Any 3 digits

Any future date

Cartes Bancaires/Mastercard

5555 5525 0000 1001

Any 3 digits

Any future date

eftpos Australia/Visa

4000 0503 6000 0001

Any 3 digits

Any future date

eftpos Australia/Mastercard

5555 0503 6000 0080

Any 3 digits

Any future date

BRAND
PAYMENTMETHOD

Cartes Bancaires/Visa

pm_card_visa_cartesBancaires

Cartes Bancaires/Mastercard

pm_card_mastercard_cartesBancaires

eftpos Australia/Visa

pm_card_visa_debit_eftposAuCoBranded

eftpos Australia/Mastercard

pm_card_mastercard_debit_eftposAuCoBranded

BRAND
TOKEN

Cartes Bancaires/Visa

tok_visa_cartesBancaires

Cartes Bancaires/Mastercard

tok_mastercard_cartesBancaires

eftpos Australia/Visa

tok_visa_debit_eftposAuCoBranded

eftpos Australia/Mastercard

tok_mastercard_debit_eftposAuCoBranded

Cards by Country

To simulate successful payments from specific countries, use test cards from the following sections.

AMERICAS

COUNTRY
NUMBER
BRAND

United States (US)

4242 4242 4242 4242

Visa

Argentina (AR)

4000 0003 2000 0021

Visa

Brazil (BR)

4000 0007 6000 0002

Visa

Canada (CA)

4000 0012 4000 0000

Visa

Chile (CL)

4000 0015 2000 0001

Visa

Colombia (CO)

4000 0017 0000 0003

Visa

Costa Rica (CR)

4000 0018 8000 0005

Visa

Ecuador (EC)

4000 0021 8000 0000

Visa

Mexico (MX)

4000 0048 4000 8001

Visa

Mexico (MX)

5062 2100 0000 0009

Carnet

Panama (PA)

4000 0059 1000 0000

Visa

Paraguay (PY)

4000 0060 0000 0066

Visa

Peru (PE)

4000 0060 4000 0068

Visa

Uruguay (UY)

4000 0085 8000 0003

Visa

AMERICAS

COUNTRY
PAYMENTMETHOD
BRAND

United States (US)

pm_card_us

Visa

Argentina (AR)

pm_card_ar

Visa

Brazil (BR)

pm_card_br

Visa

Canada (CA)

pm_card_ca

Visa

Chile (CL)

pm_card_cl

Visa

Colombia (CO)

pm_card_co

Visa

Costa Rica (CR)

pm_card_cr

Visa

Ecuador (EC)

pm_card_ec

Visa

Mexico (MX)

pm_card_mx

Visa

Panama (PA)

pm_card_pa

Visa

Paraguay (PY)

pm_card_py

Visa

Peru (PE)

pm_card_pe

Visa

Uruguay (UY)

pm_card_uy

Visa

AMERICAS

COUNTRY
TOKEN
BRAND

United States (US)

tok_us

Visa

Argentina (AR)

tok_ar

Visa

Brazil (BR)

tok_br

Visa

Canada (CA)

tok_ca

Visa

Chile (CL)

tok_cl

Visa

Colombia (CO)

tok_co

Visa

Costa Rica (CR)

tok_cr

Visa

Ecuador (EC)

tok_ec

Visa

Mexico (MX)

tok_mx

Visa

Panama (PA)

tok_pa

Visa

Paraguay (PY)

tok_py

Visa

Peru (PE)

tok_pe

Visa

Uruguay (UY)

tok_uy

Visa

EUROPE and MIDDLE EAST

Security tip

Strong Customer Authentication regulations require 3D Secure authentication for online payments within the European Economic Area. The test cards in this section simulate a payment that succeeds without authentication. We recommend also testing scenarios that involve authentication, using 3D Secure test cards.

United Arab Emirates (AE)

4000 0078 4000 0001

Visa

United Arab Emirates (AE)

5200 0078 4000 0022

Mastercard

Austria (AT)

4000 0004 0000 0008

Visa

Belgium (BE)

4000 0005 6000 0004

Visa

Bulgaria (BG)

4000 0010 0000 0000

Visa

Belarus (BY)

4000 0011 2000 0005

Visa

Croatia (HR)

4000 0019 1000 0009

Visa

Cyprus (CY)

4000 0019 6000 0008

Visa

Czech Republic (CZ)

4000 0020 3000 0002

Visa

Denmark (DK)

4000 0020 8000 0001

Visa

Estonia (EE)

4000 0023 3000 0009

Visa

Finland (FI)

4000 0024 6000 0001

Visa

France (FR)

4000 0025 0000 0003

Visa

Germany (DE)

4000 0027 6000 0016

Visa

Gibraltar (GI)

4000 0029 2000 0005

Visa

Greece (GR)

4000 0030 0000 0030

Visa

Hungary (HU)

4000 0034 8000 0005

Visa

Ireland (IE)

4000 0037 2000 0005

Visa

Italy (IT)

4000 0038 0000 0008

Visa

Latvia (LV)

4000 0042 8000 0005

Visa

Liechtenstein (LI)

4000 0043 8000 0004

Visa

Lithuania (LT)

4000 0044 0000 0000

Visa

Luxembourg (LU)

4000 0044 2000 0006

Visa

Malta (MT)

4000 0047 0000 0007

Visa

Netherlands (NL)

4000 0052 8000 0002

Visa

Norway (NO)

4000 0057 8000 0007

Visa

Poland (PL)

4000 0061 6000 0005

Visa

Portugal (PT)

4000 0062 0000 0007

Visa

Romania (RO)

4000 0064 2000 0001

Visa

Saudi Arabia (SA)

4000 0068 2000 0007

Visa

Slovenia (SI)

4000 0070 5000 0006

Visa

Slovakia (SK)

4000 0070 3000 0001

Visa

Spain (ES)

4000 0072 4000 0007

Visa

Sweden (SE)

4000 0075 2000 0008

Visa

Switzerland (CH)

4000 0075 6000 0009

Visa

United Kingdom (GB)

4000 0082 6000 0000

Visa

United Kingdom (GB)

4000 0582 6000 0005

Visa (debit)

United Kingdom (GB)

5555 5582 6555 4449

Mastercard

EUROPE and MIDDLE EAST

Security tip

United Arab Emirates (AE)

pm_card_ae

Visa

United Arab Emirates (AE)

pm_card_ae_mastercard

Mastercard

Austria (AT)

pm_card_at

Visa

Belgium (BE)

pm_card_be

Visa

Bulgaria (BG)

pm_card_bg

Visa

Belarus (BY)

pm_card_by

Visa

Croatia (HR)

pm_card_hr

Visa

Cyprus (CY)

pm_card_cy

Visa

Czech Republic (CZ)

pm_card_cz

Visa

Denmark (DK)

pm_card_dk

Visa

Estonia (EE)

pm_card_ee

Visa

Finland (FI)

pm_card_fi

Visa

France (FR)

pm_card_fr

Visa

Germany (DE)

pm_card_de

Visa

Gibraltar (GI)

pm_card_gi

Visa

Greece (GR)

pm_card_gr

Visa

Hungary (HU)

pm_card_hu

Visa

Ireland (IE)

pm_card_ie

Visa

Italy (IT)

pm_card_it

Visa

Latvia (LV)

pm_card_lv

Visa

Liechtenstein (LI)

pm_card_li

Visa

Lithuania (LT)

pm_card_lt

Visa

Luxembourg (LU)

pm_card_lu

Visa

Malta (MT)

pm_card_mt

Visa

Netherlands (NL)

pm_card_nl

Visa

Norway (NO)

pm_card_no

Visa

Poland (PL)

pm_card_pl

Visa

Portugal (PT)

pm_card_pt

Visa

Romania (RO)

pm_card_ro

Visa

Slovenia (SI)

pm_card_si

Visa

Slovakia (SK)

pm_card_sk

Visa

Spain (ES)

pm_card_es

Visa

Sweden (SE)

pm_card_se

Visa

Switzerland (CH)

pm_card_ch

Visa

United Kingdom (GB)

pm_card_gb

Visa

United Kingdom (GB)

pm_card_gb_debit

Visa (debit)

United Kingdom (GB)

pm_card_gb_mastercard

Mastercard

EUROPE and MIDDLE EAST

Security tip

United Arab Emirates (AE)

tok_ae

Visa

United Arab Emirates (AE)

tok_ae_mastercard

Mastercard

Austria (AT)

tok_at

Visa

Belgium (BE)

tok_be

Visa

Bulgaria (BG)

tok_bg

Visa

Belarus (BY)

tok_by

Visa

Croatia (HR)

tok_hr

Visa

Cyprus (CY)

tok_cy

Visa

Czech Republic (CZ)

tok_cz

Visa

Denmark (DK)

tok_dk

Visa

Estonia (EE)

tok_ee

Visa

Finland (FI)

tok_fi

Visa

France (FR)

tok_fr

Visa

Germany (DE)

tok_de

Visa

Gibraltar (GI)

tok_gi

Visa

Greece (GR)

tok_gr

Visa

Hungary (HU)

tok_hu

Visa

Ireland (IE)

tok_ie

Visa

Italy (IT)

tok_it

Visa

Latvia (LV)

tok_lv

Visa

Liechtenstein (LI)

tok_li

Visa

Lithuania (LT)

tok_lt

Visa

Luxembourg (LU)

tok_lu

Visa

Malta (MT)

tok_mt

Visa

Netherlands (NL)

tok_nl

Visa

Norway (NO)

tok_no

Visa

Poland (PL)

tok_pl

Visa

Portugal (PT)

tok_pt

Visa

Romania (RO)

tok_ro

Visa

Slovenia (SI)

tok_si

Visa

Slovakia (SK)

tok_sk

Visa

Spain (ES)

tok_es

Visa

Sweden (SE)

tok_se

Visa

Switzerland (CH)

tok_ch

Visa

United Kingdom (GB)

tok_gb

Visa

United Kingdom (GB)

tok_gb_debit

Visa (debit)

United Kingdom (GB)

tok_gb_mastercard

Mastercard

ASIA PACIFIC ²

Regional considerations | India

To test subscriptions that require mandates and pre-debit notifications, see India recurring payments.

Australia (AU)

4000 0003 6000 0006

Visa

China (CN)

4000 0015 6000 0002

Visa

Hong Kong (HK)

4000 0034 4000 0004

Visa

India (IN)

4000 0035 6000 0008

Visa

Japan (JP)

4000 0039 2000 0003

Visa

Japan (JP)

3530 1113 3330 0000

JCB

Malaysia (my)

4000 0045 8000 0002

Visa

New Zealand (NZ)

4000 0055 4000 0008

Visa

Singapore (SG)

4000 0070 2000 0003

Visa

Taiwan (TW)

4000 0015 8000 0008

Visa

Thailand (TH)

4000 0076 4000 0003

Visa (credit)

Thailand (TH)

4000 0576 4000 0008

Visa (debit)

ASIA PACIFIC ²

Regional considerations | India

Australia (AU)

pm_card_au

Visa

China (CN)

pm_card_cn

Visa

Hong Kong (HK)

pm_card_hk

Visa

India (IN)

pm_card_in

Visa

Japan (JP)

pm_card_jp

Visa

Japan (JP)

pm_card_jcb

JCB

Malaysia (my)

pm_card_my

Visa

New Zealand (NZ)

pm_card_nz

Visa

Singapore (SG)

pm_card_sg

Visa

Taiwan (TW)

pm_card_tw

Visa

Thailand (TH)

pm_card_th_credit

Visa (credit)

Thailand (TH)

pm_card_th_debit

Visa (debit)

ASIA PACIFIC ²

Regional considerations | India

Australia (AU)

tok_au

Visa

China (CN)

tok_cn

Visa

Hong Kong (HK)

tok_hk

Visa

India (IN)

tok_in

Visa

Japan (JP)

tok_jp

Visa

Japan (JP)

tok_jcb

JCB

Malaysia (my)

tok_my

Visa

New Zealand (NZ)

tok_nz

Visa

Singapore (SG)

tok_sg

Visa

Taiwan (TW)

tok_tw

Visa

Thailand (TH)

tok_th_credit

Visa (credit)

Thailand (TH)

tok_th_debit

Visa (debit)

Common mistake

To simulate an incorrect CVC, you must provide one using any three-digit number. If you don’t provide a CVC, Stripe doesn’t perform the CVC check, so the check can’t fail.

DESCRIPTION
NUMBER
ERROR CODE
DECLINE CODE

Generic decline

4000 0000 0000 0002

card_declined

generic_decline

Insufficient funds decline

4000 0000 0000 9995

card_declined

insufficient_funds

Lost card decline

4000 0000 0000 9987

card_declined

lost_card

Stolen card decline

4000 0000 0000 9979

card_declined

stolen_card

Expired card decline

4000 0000 0000 0069

expired_card

n/a

Incorrect CVC decline

4000 0000 0000 0127

incorrect_cvc

n/a

Processing error decline

4000 0000 0000 0119

processing_error

n/a

Incorrect number decline

4242 4242 4242 4241

incorrect_number

n/a

Exceeding velocity limit decline

4000 0000 0000 6975

card_declined

card_velocity_exceeded

The cards in the previous table can’t be attached to a Customer object. To simulate a declined payment with a successfully attached card, use the next one.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Decline after attaching

4000 0000 0000 0341

DESCRIPTION
NUMBER
ERROR CODE
DECLINE CODE

Generic decline

pm_card_visa_chargeDeclined

card_declined

generic_decline

Insufficient funds decline

pm_card_visa_

chargeDeclinedInsufficientFunds

card_declined

insufficient_funds

Lost card decline

pm_card_visa_chargeDeclinedLostCard

card_declined

lost_card

Stolen card decline

pm_card_visa_chargeDeclinedStolenCard

card_declined

stolen_card

Expired card decline

pm_card_chargeDeclinedExpiredCard

expired_card

n/a

Incorrect CVC decline

pm_card_chargeDeclinedIncorrectCvc

incorrect_cvc

n/a

Processing error decline

pm_card_chargeDeclinedProcessingError

processing_error

n/a

Exceeding velocity limit decline

pm_card_visa_chargeDeclinedVelocityLimitExceeded

card_declined

card_velocity_exceeded

The cards in the previous table can’t be attached to a Customer object. To simulate a declined payment with a successfully attached card, use the next one.

DESCRIPTION
NUMBER
DETAILS

Decline after attaching

pm_card_

chargeCustomerFail

DESCRIPTION
NUMBER
ERROR CODE
DECLINE CODE

Generic decline

tok_visa_chargeDeclined

card_declined

generic_decline

Insufficient funds decline

tok_visa_

chargeDeclinedInsufficientFunds

card_declined

insufficient_funds

Lost card decline

tok_visa_chargeDeclinedLostCard

card_declined

lost_card

Stolen card decline

tok_visa_chargeDeclinedStolenCard

card_declined

stolen_card

Expired card decline

tok_chargeDeclinedExpiredCard

expired_card

n/a

Incorrect CVC decline

tok_chargeDeclinedIncorrectCvc

incorrect_cvc

n/a

Processing error decline

tok_chargeDeclinedProcessingError

processing_error

n/a

Exceeding velocity limit decline

tok_visa_

chargeDeclinedVelocityLimitExceeded

card_declined

card_velocity_exceeded

The cards in the previous table can’t be attached to a Customer object. To simulate a declined payment with a successfully attached card, use the next one.

DESCRIPTION
TOKEN
DETAILS

Decline after attaching

tok_

chargeCustomerFail

Stripe’s fraud prevention system, Radar, can block payments when they have a high risk level or fail verification checks. You can use the cards in this section to test your Radar settings. You can also use them to test how your integration responds to blocked payments.

Each card simulates specific risk factors. Your Radar settings determine which risk factors cause it to block a payment. Blocked payments result in card errors with an error code of fraud.

Common mistake

To simulate a failed CVC check, you must provide a CVC using any three-digit number. To simulate a failed postal code check, you must provide any valid postal code. If you don’t provide those values, Radar doesn’t perform the corresponding checks, so the checks can’t fail.

DESCRIPTION
NUMBER
DETAILS

Always blocked

4100 0000 0000 0019

The charge has a risk level of “highest”

Our Antifraud System always blocks it.

Highest risk

4000 0000 0000 4954

The charge has a risk level of “highest”

Our Antifraud Systemmight block it depending on your settings.

Elevated risk

4000 0000 0000 9235

The charge has a risk level of “elevated”

CVC check fails

4000 0000 0000 0101

If you provide a CVC number, the CVC check fails.

Our Antifraud System might block it depending on your settings.

Postal code check fails

4000 0000 0000 0036

If you provide a postal code, the postal code check fails.

Our Antifraud System might block it depending on your settings.

Line1 check fails

4000 0000 0000 0028

The address line 1 check fails.

The payment succeeds unless you block it with a custom Antifraud System rule.

Address checks fail

4000 0000 0000 0010

The address postal code check and address line 1 check both fail.

Our Antifraud System might block it depending on your settings.

Address unavailable

40000 0000 0000044

The address postal code check and address line 1 check are both unavailable.

The payment succeeds unless you block it with a custom rule.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Always blocked

pm_card_radarBlock

Radar always blocks it.

Highest risk

pm_card_riskLevelHighest

Radar might block it depending on your settings.

Elevated risk

pm_card_riskLevelElevated

CVC check fails

pm_card_cvcCheckFail

If you provide a CVC number, the CVC check fails.

Postal code check fails

pm_card_avsZipFail

If you provide a postal code, the postal code check fails.

Line1 check fails

pm_card_avsLine1Fail

The address line 1 check fails.

Address checks fail

pm_card_avsFail

The address postal code check and address line 1 check both fail.

Address unavailable

pm_card_avsUnchecked

The address postal code check and address line 1 check are both unavailable.

DESCRIPTION
TOKEN
DETAILS

Always blocked

tok_radarBlock

Radar always blocks it.

Highest risk

tok_riskLevelHighest

Radar might block it depending on your settings.

Elevated risk

tok_riskLevelElevated

CVC check fails

tok_cvcCheckFail

If you provide a CVC number, the CVC check fails.

Postal code check fails

tok_avsZipFail

If you provide a postal code, the postal code check fails.

Line1 check fails

tok_avsLine1Fail

The address line 1 check fails.

Address checks fail

tok_avsFail

The address postal code check and address line 1 check both fail.

Address unavailable

tok_avsUnchecked

The address postal code check and address line 1 check are both unavailable.

To test errors resulting from invalid data, provide invalid details. You don’t need a special test card for this. Any invalid value works. For instance:

  • invalid_expiry_month: Use an invalid month, such as 13.

  • invalid_expiry_year: Use a year up to 50 years in the past, such as 95.

  • invalid_cvc: Use a two-digit number, such as 99.

  • incorrect_number: Use a card number that fails the Luhn check, such as 4242424242424241.

To simulate a disputed transaction, use the test cards in this section. Then, to simulate winning or losing the dispute, provide winning or losing evidence.

DESCRIPTION
NUMBER
DETAILS

Fraudulent

4000 0000 0000 0259

With default account settings, charge succeeds, only to be disputed as fraudulent. This type of dispute is protected after 3D Secure authentication.

Not received

4000 0000 0000 2685

With default account settings, charge succeeds, only to be disputed as product not received. This type of dispute isn’t protected after 3D Secure authentication.

Inquiry

4000 0000 0000 1976

With default account settings, charge succeeds, only to be disputed as an enquiry.

Warning

4000 0000 0000 5423

With default account settings, charge succeeds, only to receive an early fraud warning.

Multiple disputes

4000 0004 0400 0079

With default account settings, charge succeeds, only to be disputed multiple times.

Visa Compelling Evidence 3.0

4000 0004 0400 0038

With default account settings, charge succeeds, only to be disputed as a Visa Compelling Evidence 3.0 eligible dispute.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Fraudulent

pm_card_createDispute

Not received

pm_card_

createDisputeProductNotReceived

Inquiry

pm_card_createDisputeInquiry

Warning

pm_card_createIssuerFraudRecord

Multiple disputes

pm_card_createMultipleDisputes

Visa Compelling Evidence 3.0

pm_card_createCe3EligibleDispute

DESCRIPTION
TOKEN
DETAILS

Fraudulent

tok_createDispute

Not received

tok_createDisputeProductNotReceived

Inquiry

tok_createDisputeInquiry

Warning

tok_createIssuerFraudRecord

Multiple disputes

tok_createMultipleDisputes

Visa Compelling Evidence 3.0

tok_createCe3EligibleDispute

Evidence

To simulate winning or losing the dispute, respond with one of the evidence values from the table below.

  • If you respond using the API, pass the value from the table as uncategorized_text.

  • If you respond in the Dashboard, enter the value from the table in the Additional information field. Then, click Submit evidence.

EVIDENCE
DESCRIPTION

winning_evidence

The dispute is closed and marked as won. Your account is credited the amount of the charge and related fees.

losing_evidence

The dispute is closed and marked as lost. Your account isn’t credited.

In live mode, refunds are asynchronous: a refund can appear to succeed and later fail, or can appear as pending at first and later succeed. To simulate refunds with those behaviors, use the test cards in this section. (With all other test cards, refunds succeed immediately and don’t change status after that.)

DESCRIPTION
NUMBER
DETAILS

Asynchronous success

4000 0000 0000 7726

The charge succeeds. If you initiate a refund, its status begins as pending. Some time later, its status transitions to succeeded and sends a refund.updated event.

Asynchronous failure

4000 0000 0000 5126

The charge succeeds. If you initiate a refund, its status begins as succeeded. Some time later, its status transitions to failed and sends a refund.failed event.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Asynchronous success

pm_card_pendingRefund

Asynchronous failure

pm_card_refundFaill

DESCRIPTION
TOKEN
DETAILS

Asynchronous success

tok_pendingRefund

Asynchronous failure

tok_refundFail

You can cancel a card refund only by using the Dashboard. In live mode, you can cancel a card refund within a short but nonspecific period of time. Test mode simulates that period by allowing you to cancel a card refund within 30 minutes.

To send the funds from a test transaction directly to your available balance, use the test cards in this section. Other test cards send funds from a successful payment to your pending balance.

DESCRIPTION
NUMBER
DETAILS

Bypass pending balance

4000 0000 0000 0077

The US charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

Bypass pending balance

4000 0037 2000 0278

The international charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Bypass pending balance

pm_card_bypassPending

The US charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

Bypass pending balance

pm_card_bypassPendingInternational

The international charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

DESCRIPTION
TOKEN
DETAILS

Bypass pending balance

tok_bypassPending

The US charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

Bypass pending balance

tok_bypassPendingInternational

The international charge succeeds. Funds are added directly to your available balance, bypassing your pending balance.

3D Secure requires an additional layer of authentication for credit card transactions. The test cards in this section allow you to simulate triggering authentication in different payment flows.

Only cards in this section effectively test your 3D Secure integration by simulating defined 3DS behaviour, such as a challenge flow or an unsupported card. Other Stripe testing cards might still trigger 3DS, but we return attempt_acknowledged to bypass the additional steps since 3DS testing isn’t the objective for those cards.

Dashboard not supported

3D Secure redirects won’t occur for payments created directly in the Stripe Dashboard. Instead, use your integration’s own frontend or an API call.

To simulate payment flows that include authentication, use the test cards in this section. Some of these cards can also be set up for future payments, or have already been.

DESCRIPTION
NUMBER
DETAILS

Authenticate unless set up

4000 0025 0000 3155

This card requires authentication for off-session payments unless you set it up for future payments. After you set it up, off-session payments no longer require authentication. However, on-session payments with this card always require authentication.

Always authenticate

4000 0027 6000 3184

This card requires authentication on all transactions, regardless of how the card is set up.

Already set up

4000 0038 0000 0446

This card is already set up for off-session use. It requires authentication for one-off and other on-session payments. However, all off-session payments succeed as if the card has been previously set up.

Insufficient funds

4000 0082 6000 3178

This card requires authentication for one-off payments. All payments are declined with an insufficient_funds failure code even after being successfully authenticated or previously set up.

DESCRIPTION
PAYMENTMETHOD
DETAILS

Authenticate unless set up

pm_card_authenticationRequiredOnSetup

Always authenticate

pm_card_authenticationRequired

This card requires authentication on all transactions, regardless of how the card is set up.

Already set up

pm_card_authenticationRequiredSetupForOffSession

Insufficient funds

pm_card_authenticationRequiredChargeDeclinedInsufficientFunds

We request authentication when required by regulation or when triggered by your Antifraud System rules or custom code. Even if authentication is requested, it can’t always be performed – for instance, the customer’s card might not be enrolled, or an error might occur. Use the test cards in this section to simulate various combinations of these factors.

Note

All 3DS references indicate 3D Secure 2.

3D SECURE USAGE
OUTCOME
NUMBER
DETAILS

3DS Required

OK

4000 0000 0000 3220

3D Secure authentication must be completed for the payment to be successful. By default, Our Antifraud System rules request 3D Secure authentication for this card.

3DS Required

Declined

4000 0084 0000 1629

3D Secure authentication is required, but payments are declined with a card_declined failure code after authentication. By default, Our Antifraud System rules request 3D Secure authentication for this card.

3DS Required

Error

4000 0084 0000 1280

3D Secure authentication is required, but the 3D Secure lookup request fails with a processing error. Payments are declined with a card_declined failure code. By default, Our Antifraud System rules request 3D Secure authentication for this card.

3DS Supported

OK

4000 0000 0000 3055

3D Secure authentication might still be performed, but isn’t required. By default, Our Antifraud System rules don’t request 3D Secure authentication for this card.

3DS Supported

Error

4000 0000 0000 3097

3D Secure authentication might still be performed, but isn’t required. However, attempts to perform 3D Secure result in a processing error. By default, Our Antifraud System rules don’t request 3D Secure authentication for this card.

3DS Supported

Unenrolled

4242 4242 4242 4242

3D Secure is supported for this card, but this card isn’t enrolled in 3D Secure. Even if Our Antifraud System rules request 3D Secure, the customer won’t be prompted to authenticate. By default, Our Antifraud System rules don’t request 3D Secure authentication for this card.

3DS Not supported

3782 822463 10005

3D Secure isn’t supported on this card and can’t be invoked. The PaymentIntent or SetupIntent proceeds without performing authentication.

3D SECURE USAGE
OUTCOME
PAYMENTMETHOD
DETAILS

Required

OK

pm_card_threeDSecure2Required

3D Secure authentication must be completed for the payment to be successful. By default, your Radar rules request 3D Secure authentication for this card.

Required

Declined

pm_card_threeDSecureRequiredChargeDeclined

3D Secure authentication is required, but payments are declined with a card_declined failure code after authentication. By default, your Radar rules request 3D Secure authentication for this card.

Required

Error

pm_card_threeDSecureRequiredProcessingError

3D Secure authentication is required, but the 3D Secure lookup request fails with a processing error. Payments are declined with a card_declined failure code. By default, your Radar rules request 3D Secure authentication for this card.

Supported

OK

pm_card_threeDSecureOptional

3D Secure authentication might still be performed, but isn’t required. By default, your Radar rules don’t request 3D Secure authentication for this card.

Supported

Error

pm_card_threeDSecureOptionalProcessingError

3D Secure authentication might still be performed, but isn’t required. However, attempts to perform 3D Secure result in a processing error. By default, your Radar rules don’t request 3D Secure authentication for this card.

Supported

Unenrolled

pm_card_visa

3D Secure is supported for this card, but this card isn’t enrolled in 3D Secure. Even if your Radar rules request 3D Secure, the customer won’t be prompted to authenticate. By default, your Radar rules don’t request 3D Secure authentication for this card.

Not supported

pm_card_amex_threeDSecureNotSupported

3D Secure isn’t supported on this card and can’t be invoked. The PaymentIntent or SetupIntent proceeds without performing authentication.

3D SECURE USAGE
OUTCOME
TOKEN
DETAILS

Required

OK

tok_threeDSecure2Required

3D Secure authentication must be completed for the payment to be successful. By default, your Radar rules request 3D Secure authentication for this card.

Required

Declined

tok_threeDSecureRequiredChargeDeclined

3D Secure authentication is required, but payments are declined with a card_declined failure code after authentication. By default, your Radar rules request 3D Secure authentication for this card.

Required

Error

tok_threeDSecureRequiredProcessingError

3D Secure authentication is required, but the 3D Secure lookup request fails with a processing error. Payments are declined with a card_declined failure code. By default, your Radar rules request 3D Secure authentication for this card.

Supported

OK

tok_threeDSecureOptional

3D Secure authentication might still be performed, but isn’t required. By default, your Radar rules don’t request 3D Secure authentication for this card.

Supported

Error

tok_threeDSecureOptionalProcessingError

3D Secure authentication might still be performed, but isn’t required. However, attempts to perform 3D Secure result in a processing error. By default, your Radar rules don’t request 3D Secure authentication for this card.

Supported

Unenrolled

tok_visa

3D Secure is supported for this card, but this card isn’t enrolled in 3D Secure. Even if your Radar rules request 3D Secure, the customer won’t be prompted to authenticate. By default, your Radar rules don’t request 3D Secure authentication for this card.

Not supported

tok_amex_threeDSecureNotSupported

3D Secure isn’t supported on this card and can’t be invoked. The PaymentIntent proceeds without performing authentication.

In a mobile payment, several challenge flows for authentication—where the customer has to interact with prompts in the UI—are available. Use the test cards in this section to trigger a specific challenge flow for test purposes. These cards aren’t useful in browser-based payment forms or in API calls. In those environments, they work but don’t trigger any special behavior. Because they’re not useful in API calls, we don’t provide any PaymentMethod or Token values to test with.

CHALLENGE FLOW
NUMBER
DETAILS

Out of band

4000 5826 0000 0094

3D Secure 2 authentication must be completed on all transactions. Triggers the challenge flow with Out of Band UI.

One time passcode

4000 5826 0000 0045

3D Secure 2 authentication must be completed on all transactions. Triggers the challenge flow with One Time Passcode UI.

Single select

4000 5826 0000 0102

3D Secure 2 authentication must be completed on all transactions. Triggers the challenge flow with single-select U

Multi select

4000 5826 0000 0110

D Secure 2 authentication must be completed on all transactions. Triggers the challenge flow with multi-select UI.

To prevent fraud, Our Antifraud System might display a captcha challenge to the user on the payment page. Use the test cards below to simulate this flow.

DESCRIPTION
NUMBER
DETAILS

Captcha challenge

4000 0000 0000 1208

The charge succeeds if the user correctly answers the captcha challenge.

Captcha challenge

4000 0000 0000 3725

The charge succeeds if the user correctly answers the captcha challenge.

If your requests in test mode begin to receive 429 HTTP errors, make them less frequently. These errors come from our rate limiter, which is stricter in test mode than in live mode.

We don’t recommend load testing your integration using the API in test mode. Because the load limiter is stricter in test mode, you might see errors that you wouldn’t see in production. See load testing for an alternative approach.

Any time you use a test non-card payment method, use test API keys in all API calls. This is true whether you’re serving a payment form you can test interactively or writing test code.

Different payment methods have different test procedures:

After you collect the bank account details and accept a mandate, send the mandate confirmation and microdeposit verification emails in test mode. To do this, provide an email in the payment_method_data.billing_details[email] field in the form of {any-prefix}+test_email@{any_domain} when you collect the payment method details.

Stripe provides several test account numbers and corresponding tokens you can use to make sure your integration for manually-entered bank accounts is ready for production.

ACCOUNT NUMBER
TOKEN
ROUTING NUMBER
BEHAVIOR

000123456789

pm_usBankAccount_success

110000000

The payment succeeds.

000111111113

pm_usBankAccount_accountClosed

110000000

The payment fails because the account is closed.

000111111116

pm_usBankAccount_noAccount

110000000

The payment fails because no account is found.

000222222227

pm_usBankAccount_insufficientFunds

110000000

The payment fails due to insufficient funds.

000333333335

pm_usBankAccount_debitNotAuthorized

110000000

The payment fails because debits aren’t authorized.

000444444440

pm_usBankAccount_invalidCurrency

110000000

The payment fails due to invalid currency.

000666666661

pm_usBankAccount_failMicrodeposits

110000000

The payment fails to send microdeposits.

000555555559

pm_usBankAccount_dispute

110000000

The payment triggers a dispute.

000000000009

pm_usBankAccount_processing

110000000

The payment stays in processing indefinitely. Useful for testing PaymentIntent cancellation.

000777777771

pm_usBankAccount_weeklyLimitExceeded

110000000

The payment fails due to payment amount causing the account to exceed its weekly payment volume limit.

Before test transactions can complete, you need to verify all test accounts that automatically succeed or fail the payment. To do so, use the test microdeposit amounts or descriptor codes below.

To mimic different scenarios, use these microdeposit amounts or 0.01 descriptor code values.

MICRODEPOSIT VALUES
0.01 DESCRIPTOR CODE VALUES
SCENARIO

32 and 45

SM11AA

Simulates verifying the account.

10 and 11

SM33CC

Simulates exceeding the number of allowed verification attempts.

40 and 41

SM44DD

Simulates a microdeposit timeout.

Create a test PaymentIntent that either succeeds or fails by doing the following:

  1. Use the resulting PaymentMethod in a confirmSepaDebitPayment request to create the test charge.

Austria

Account Number
Description

AT611904300234573201

The PaymentIntent status transitions from processing to succeeded.

AT321904300235473204

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

AT861904300235473202

The PaymentIntent status transitions from processing to requires_payment_method

AT051904300235473205

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

AT591904300235473203

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

AT981904300000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

AT601904300000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Belgium

Account Number
Description

BE62510007547061

The PaymentIntent status transitions from processing to succeeded.

BE78510007547064

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

BE68539007547034

The PaymentIntent status transitions from processing to requires_payment_method.

BE51510007547065

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

BE08510007547063

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

BE90510000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

BE52510000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Croatia

Account Number
Description

HR7624020064583467589

The PaymentIntent status transitions from processing to succeeded.

HR6323600002337876649

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

HR2725000096983499248

The PaymentIntent status transitions from processing to requires_payment_method.

HR6723600004878117427

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

HR8724840081455523553

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

HR7424020060000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

HR3624020060000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Estonia

Account Number
Description

EE382200221020145685

The PaymentIntent status transitions from processing to succeeded.

EE222200221020145682

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

EE762200221020145680

The PaymentIntent status transitions from processing to requires_payment_method.

EE922200221020145683

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

EE492200221020145681

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

EE672200000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

EE292200000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Finland

Account Number
Description

FI2112345600000785

The PaymentIntent status transitions from processing to succeeded.

FI3712345600000788

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

FI9112345600000786

The PaymentIntent status transitions from processing to requires_payment_method.

FI1012345600000789

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

FI6412345600000787

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

FI6712345600343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

FI2912345600121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

France

Account Number
Description

FR1420041010050500013M02606

The PaymentIntent status transitions from processing to succeeded.

FR3020041010050500013M02609

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

FR8420041010050500013M02607

The PaymentIntent status transitions from processing to requires_payment_method.

FR7920041010050500013M02600

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

FR5720041010050500013M02608

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

FR9720041010050000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

FR5920041010050000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Germany

Account Number
Description

DE89370400440532013000

The PaymentIntent status transitions from processing to succeeded.

DE08370400440532013003

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

DE62370400440532013001

The PaymentIntent status transitions from processing to requires_payment_method.

DE78370400440532013004

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

DE35370400440532013002

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

DE65370400440000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

DE27370400440000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Gibraltar

Account Number
Description

GI60MPFS599327643783385

The PaymentIntent status transitions from processing to succeeded.

GI08RRNW626436291644533

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

GI41SAFA461293238477751

The PaymentIntent status transitions from processing to requires_payment_method.

GI50LROG772261344693297

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

GI26KJBC361883934534696

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

GI14NWBK000000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

GI73NWBK000000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Ireland

Account Number
Description

IE29AIBK93115212345678

The PaymentIntent status transitions from processing to succeeded.

IE24AIBK93115212345671

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

IE02AIBK93115212345679

The PaymentIntent status transitions from processing to requires_payment_method.

IE94AIBK93115212345672

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

IE51AIBK93115212345670

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

IE10AIBK93115200343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

IE69AIBK93115200121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Liechtenstein

Account Number
Description

LI0508800636123378777

The PaymentIntent status transitions from processing to succeeded.

LI4408800387787111369

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

LI1208800143823175626

The PaymentIntent status transitions from processing to requires_payment_method.

LI4908800356441975566

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

LI7708800125525347723

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

LI2408800000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

LI8308800000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Lithania

Account Number
Description

LT121000011101001000

The PaymentIntent status transitions from processing to succeeded.

LT281000011101001003

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

LT821000011101001001

The PaymentIntent status transitions from processing to requires_payment_method.

LT981000011101001004

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

LT551000011101001002

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

LT591000000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

LT211000000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Luxembourg

Account Number
Description

LU280019400644750000

The PaymentIntent status transitions from processing to succeeded.

LU440019400644750003

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

LU980019400644750001

The PaymentIntent status transitions from processing to requires_payment_method.

LU170019400644750004

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

LU710019400644750002

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

LU900010000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

LU520010000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Netherlands

Account Number
Description

NL39RABO0300065264

The PaymentIntent status transitions from processing to succeeded.

NL55RABO0300065267

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

NL91ABNA0417164300

The PaymentIntent status transitions from processing to requires_payment_method.

NL28RABO0300065268

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

NL82RABO0300065266

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

NL27RABO0000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

NL86RABO0000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Norway

Account Number

NO9386011117947

The PaymentIntent status transitions from processing to succeeded.

NO8886011117940

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

NO6686011117948

The PaymentIntent status transitions from processing to requires_payment_method.

NO6186011117941

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

NO3986011117949

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

NO0586010343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

NO0586010343434

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Portugal

Account Number
Description

PT50000201231234567890154

The PaymentIntent status transitions from processing to succeeded.

PT66000201231234567890157

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

PT23000201231234567890155

The PaymentIntent status transitions from processing to requires_payment_method.

PT39000201231234567890158

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

PT93000201231234567890156

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

PT05000201230000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

PT64000201230000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Spain

Account Number
Description

ES0700120345030000067890

The PaymentIntent status transitions from processing to succeeded.

ES2300120345030000067893

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

ES9121000418450200051332

The PaymentIntent status transitions from processing to requires_payment_method.

ES9300120345030000067894

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

ES5000120345030000067892

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

ES1700120345000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

ES7600120345000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Sweden

Account Number
Description

SE3550000000054910000003

The PaymentIntent status transitions from processing to succeeded.

SE5150000000054910000006

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

SE0850000000054910000004

The PaymentIntent status transitions from processing to requires_payment_method.

SE2450000000054910000007

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

SE7850000000054910000005

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

SE2850000000000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

SE8750000000000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

Switzerland

Account Number
Description

CH9300762011623852957

The PaymentIntent status transitions from processing to succeeded.

CH8656663438253651553

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

CH5362200119938136497

The PaymentIntent status transitions from processing to requires_payment_method.

CH1843597160341964438

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

CH1260378413965193069

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

CH1800762000000343434

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

CH7700762000000121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

United Kingdom

Account Number
Description

GB82WEST12345698765432

The PaymentIntent status transitions from processing to succeeded.

GB98WEST12345698765435

The PaymentIntent status transitions from processing to succeeded after at least three minutes.

GB55WEST12345698765433

The PaymentIntent status transitions from processing to requires_payment_method.

GB71WEST12345698765436

The PaymentIntent status transitions from processing to requires_payment_method after at least three minutes.

GB28WEST12345698765434

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

GB70WEST12345600343434G

The payment fails with a charge_exceeds_source_limit failure code due to payment amount causing account to exceed its weekly payment volume limit.

GB32WEST12345600121212

The payment fails with a charge_exceeds_weekly_limit failure code due to payment amount exceeding account's transaction volume limit.

SORT CODE
ACCOUNT NUMBER
DESCRIPTION

108800

00012345

The payment succeeds and the PaymentIntent transitions from processing to succeeded.

108800

90012345

The payment succeeds after three minutes and the PaymentIntent transitions from processing to succeeded.

108800

33333335

The payment is accepted but then immediately fails with a debit_not_authorized failure code and the PaymentIntent transitions from processing to requires_payment_method. The Mandate becomes inactive and the PaymentMethod can not be used again.

108800

93333335

The payment fails after three minutes with a debit_not_authorized failure code and the PaymentIntent transitions from processing to requires_payment_method. The Mandate becomes inactive and the PaymentMethod can not be used again.

108800

22222227

The payment fails with an insufficient_funds failure code and the PaymentIntent transitions from processing to requires_payment_method. The Mandate remains active and the PaymentMethod can be used again.

108800

92222227

The payment fails after three minutes with an insufficient_funds failure code and the PaymentIntent transitions from processing to requires_payment_method. The Mandate remains active and the PaymentMethod can be used again.

108800

55555559

The payment succeeds after three minutes and the PaymentIntent transitions from processing to succeeded, but a dispute is immediately created.

108800

00033333

Payment Method creation succeeds, but the Mandate is refused by the customer’s bank and immediately transitions to inactive.

108800

00044444

The request to set up Bacs Direct Debit fails immediately due to an invalid account number and the customer is prompted to update their information before submitting. Payment details are not collected.

108800

34343434

The payment fails with a charge_exceeds_source_limit failure code due to the payment amount causing the account to exceed its weekly payment volume limit.

108800

12121212

The payment fails with a charge_exceeds_weekly_limit failure code due to the payment amount exceeding the account’s transaction volume limit.

You can test using any of the account numbers provided above. However, because Bacs Direct Debit payments take several days to process, use the test account numbers that operate on a three-minute delay to better simulate the behavior of live payments.

Note

You can create a test PaymentIntent that either succeeds or fails by doing the following:

Test account numbers

BSB NUMBER
ACCOUNT NUMBER
DESCRIPTION

000-000

000123456

The PaymentIntent status transitions from processing to succeeded. The mandate status remains active.

000-000

900123456

The PaymentIntent status transitions from processing to succeeded (with a three-minute delay). The mandate status remains active.

000-000

111111113

The PaymentIntent status transitions from processing to requires_payment_method with an account_closed failure code. The mandate status becomes inactive.

000-000

111111116

The PaymentIntent status transitions from processing to requires_payment_method with a no_account failure code. The mandate status becomes inactive.

000-000

222222227

The PaymentIntent status transitions from processing to requires_payment_method with a refer_to_customer failure code. The mandate status remains active.

000-000

922222227

The PaymentIntent status transitions from processing to requires_payment_method with a refer_to_customer failure code (with a three-minute delay). The mandate status remains active.

000-000

333333335

The PaymentIntent status transitions from processing to requires_payment_method with a debit_not_authorized failure code. The mandate status becomes inactive.

000-000

666666660

The PaymentIntent status transitions from processing to succeeded, but a dispute is immediately created.

000-000

343434343

The PaymentIntent fails with a charge_exceeds_source_limit error due to the payment amount causing the account to exceed its weekly payment volume limit.

000-000

121212121

The PaymentIntent fails with a charge_exceeds_transaction_limit error due to the payment amount exceeding the account’s transaction volume limit.

Caution

Don’t store real user data in test mode Link accounts. Treat them as if they’re publicly available, because these test accounts are associated with your publishable key.

Currently, Link only works with credit cards, debit cards, and qualified US bank account purchases. Link requires domain registration.

You can create test mode accounts for Link using any valid email address. The following table shows the fixed one-time passcode values that we accept for authenticating test mode accounts:

VALUE
OUTCOME

Any other 6 digits not listed below

Success

000001

Error, code invalid

000002

Error, code expired

000003

Error, max attempts exceeded

As we add additional funding source support, you don’t need to update your integration. We automatically support them with the same transaction settlement time and guarantees as card and bank account payments.

When writing test code, use a PaymentMethod such as instead of a card number. We don’t recommend using card numbers directly in API calls or server-side code, even in test mode. If you do use them, your code might not be PCI-compliant when you go live. By default, a PaymentMethod isn’t attached to a .

Most integrations don’t use Tokens any more, but we make test Tokens such as available if you need them.

When you’re ready to take your integration live, replace your test publishable and secret with live ones. You can’t process live payments if your integration is still using your test API keys.

Cards by brand

regulations require authentication for online payments within the . The test cards in this section simulate a payment that succeeds without authentication. We recommend also testing scenarios that involve authentication, using .

regulations require authentication for online payments within the . The test cards in this section simulate a payment that succeeds without authentication. We recommend also testing scenarios that involve authentication, using .

To test subscriptions that require mandates and pre-debit notifications, see .

To test subscriptions that require mandates and pre-debit notifications, see .

Declined payments

To test your integration’s error-handling logic by simulating payments that the issuer declines for various reasons, use test cards from this section. Using one of these cards results in a with the given error code and decline code.

Attaching this card to a object succeeds, but attempts to charge the customer fail.

Attaching this card to a object succeeds, but attempts to charge the customer fail.

Attaching this card to a object succeeds, but attempts to charge the customer fail.

Fraud prevention

The charge has a

The charge has a

The charge has a

If you use Radar for Fraud Teams, Radar might .

Radar might block it

Radar might block it

The payment succeeds unless you .

Radar might block it

The payment succeeds unless you .

The charge has a

The charge has a

The charge has a

If you use Radar for Fraud Teams, Radar might .

Radar might block it

Radar might block it

The payment succeeds unless you .

Radar might block it

The payment succeeds unless you .

Invalid data

Disputes

With default account settings, charge succeeds, only to be disputed as . This type of dispute is after 3D Secure authentication.

With default account settings, charge succeeds, only to be disputed as . This type of dispute after 3D Secure authentication.

With default account settings, charge succeeds, only to be disputed as .

With default account settings, charge succeeds, only to receive .

With default account settings, charge succeeds, only to be disputed .

With default account settings, charge succeeds, only to be disputed as a .

With default account settings, charge succeeds, only to be disputed as . This type of dispute is after 3D Secure authentication.

With default account settings, charge succeeds, only to be disputed as . This type of dispute after 3D Secure authentication.

With default account settings, charge succeeds, only to be disputed as .

With default account settings, charge succeeds, only to receive .

With default account settings, charge succeeds, only to be disputed .

With default account settings, charge succeeds, only to be disputed as a .

Refunds

The charge succeeds. If you initiate a refund, its status begins as pending. Some time later, its status transitions to succeeded and sends a refund.updated .ailable balance, bypassing your pending balance.

The charge succeeds. If you initiate a refund, its status begins as succeeded. Some time later, its status transitions to failed and sends a refund.failed .

The charge succeeds. If you initiate a refund, its status begins as pending. Some time later, its status transitions to succeeded and sends a refund.updated .

The charge succeeds. If you initiate a refund, its status begins as succeeded. Some time later, its status transitions to failed and sends a refund.failed .

Available balance

3D Secure authentication

Authentication and setup

This card requires authentication for every payment unless you for future payments. After you set it up, it no longer requires authentication.

This card is already set up for off-session use. It requires authentication for and other payments. However, all off-session payments succeed as if the card has been previously .

This card requires authentication for . All payments are declined with an insufficient_funds failure code even after being successfully authenticated or previously .

Support and availability

3D Secure mobile challenge flows

Captcha challenge

Rate limits

Non-card payments

Send transaction emails in test mode

Test account numbers

Test microdeposit amounts and descriptor codes

Create a test with a test account number.

There are several test bank account numbers you can use in to make sure this integration is ready.

By default, Stripe automatically sends to the customer when payment details are initially collected and each time a debit will be made on their account. These notifications aren’t sent in test mode.

Create a test with the test BSB 000-000 and a test account number from the list below. Use the resulting PaymentMethod in a confirmAuBecsDebitPayment request to create the test charge.

With other payment methods, testing information is included with the documentation. and read the associated guide to accept and test payments

Link

Multiple funding sources

🤑
pm_card_visa
Customer
tok_visa
API keys
Strong Customer Authentication
3D Secure
European Economic Area
3D Secure test cards
Strong Customer Authentication
3D Secure
European Economic Area
3D Secure test cards
India recurring payments
India recurring payments
card error
PaymentMethod
test mode
emails
PaymentMethod
Find your payment method
Customer
Customer
Customer
risk level of “highest”
risk level of “highest”
risk level of “elevated”
queue it for review
depending on your settings.
depending on your settings.
block it with a custom Radar rule
depending on your settings.
block it with a custom Radar rule
risk level of “highest”
risk level of “highest”
risk level of “elevated”
queue it for review
depending on your settings.
depending on your settings.
block it with a custom Radar rule
depending on your settings.
block it with a custom Radar rule
fraudulent
protected
product not received
isn’t protected
an enquiry
an early fraud warning
multiple times
Visa Compelling Evidence 3.0 eligible dispute
fraudulent
protected
product not received
isn’t protected
an enquiry
an early fraud warning
multiple times
Visa Compelling Evidence 3.0 eligible dispute
event
event
event
event
set it up
one-off
on-session
set up
one-off payments
set up
Testing a form interactively with the test card number 4242 4242 4242 4242