Free tool · Stripe test cards
Stripe test card numbers
The default Stripe test card is 4242 4242 4242 4242 with any future date and any CVC. Below are all 143 test cards from Stripe’s testing docs (checked 2026-10-29), plus ACH test accounts. Click to copy.
Visa, succeeds
4242 4242 4242 4242
Generic decline
4000 0000 0000 0002
Insufficient funds
4000 0000 0000 9995
3D Secure required
4000 0000 0000 3220
Successful payments by card brand
22 cards
Each succeeds with any future expiry date and any CVC (4 digits for American Express).
| Visa | 4242 4242 4242 4242 | CVC: any 3 digits, any future date |
| Visa (debit) | 4000 0566 5566 5556 | CVC: any 3 digits, any future date |
| Mastercard | 5555 5555 5555 4444 | CVC: any 3 digits, any future date |
| Mastercard (2-series) | 2223 0031 2200 3222 | CVC: any 3 digits, any future date |
| Mastercard (debit) | 5200 8282 8282 8210 | CVC: any 3 digits, any future date |
| Mastercard (prepaid) | 5105 1051 0510 5100 | CVC: any 3 digits, any future date |
| American Express | 3782 822463 10005 | CVC: any 4 digits, any future date |
| American Express | 3714 496353 98431 | CVC: any 4 digits, any future date |
| Discover | 6011 1111 1111 1117 | CVC: any 3 digits, any future date |
| Discover | 6011 0009 9013 9424 | CVC: any 3 digits, any future date |
| Discover (debit) | 6011 9811 1111 1113 | CVC: any 3 digits, any future date |
| Diners Club | 3056 9300 0902 0004 | CVC: any 3 digits, any future date |
| Diners Club (14-digit card) | 3622 7206 2716 67 | CVC: any 3 digits, any future date |
| BCcard and DinaCard | 6555 9000 0060 4105 | CVC: any 3 digits, any future date |
| JCB | 3566 0020 2036 0505 | CVC: any 3 digits, any future date |
| UnionPay | 6200 0000 0000 0005 | CVC: any 3 digits, any future date |
| UnionPay (debit) | 6200 0000 0000 0047 | CVC: any 3 digits, any future date |
| UnionPay (19-digit card) | 6205 5000 0000 0000 004 | CVC: any 3 digits, any future date |
| Cartes Bancaires/Visa | 4000 0025 0000 1001 | CVC: any 3 digits, any future date |
| Cartes Bancaires/Mastercard | 5555 5525 0000 1001 | CVC: any 3 digits, any future date |
| eftpos Australia/Visa | 4000 0503 6000 0001 | CVC: any 3 digits, any future date |
| eftpos Australia/Mastercard | 5555 0503 6000 0080 | CVC: any 3 digits, any future date |
Successful payments by country
64 cards
Issued in each country, for testing cross-border fees, local rules and currency. All succeed.
| United States (US)Americas | 4242 4242 4242 4242 | Visa |
| Argentina (AR)Americas | 4000 0003 2000 0021 | Visa |
| Brazil (BR)Americas | 4000 0007 6000 0002 | Visa |
| Canada (CA)Americas | 4000 0012 4000 0000 | Visa |
| Chile (CL)Americas | 4000 0015 2000 0001 | Visa |
| Colombia (CO)Americas | 4000 0017 0000 0003 | Visa |
| Costa Rica (CR)Americas | 4000 0018 8000 0005 | Visa |
| Ecuador (EC)Americas | 4000 0021 8000 0000 | Visa |
| Mexico (MX)Americas | 4000 0048 4000 8001 | Visa |
| Mexico (MX)Americas | 5062 2100 0000 0009 | Carnet |
| Panama (PA)Americas | 4000 0059 1000 0000 | Visa |
| Paraguay (PY)Americas | 4000 0060 0000 0066 | Visa |
| Peru (PE)Americas | 4000 0060 4000 0068 | Visa |
| Uruguay (UY)Americas | 4000 0085 8000 0003 | Visa |
| United Arab Emirates (AE)Europe And Middle East | 4000 0078 4000 0001 | Visa |
| United Arab Emirates (AE)Europe And Middle East | 5200 0078 4000 0022 | Mastercard |
| Austria (AT)Europe And Middle East | 4000 0004 0000 0008 | Visa |
| Belgium (BE)Europe And Middle East | 4000 0005 6000 0004 | Visa |
| Bulgaria (BG)Europe And Middle East | 4000 0010 0000 0000 | Visa |
| Belarus (BY)Europe And Middle East | 4000 0011 2000 0005 | Visa |
| Croatia (HR)Europe And Middle East | 4000 0019 1000 0009 | Visa |
| Cyprus (CY)Europe And Middle East | 4000 0019 6000 0008 | Visa |
| Czech Republic (CZ)Europe And Middle East | 4000 0020 3000 0002 | Visa |
| Denmark (DK)Europe And Middle East | 4000 0020 8000 0001 | Visa |
| Estonia (EE)Europe And Middle East | 4000 0023 3000 0009 | Visa |
| Finland (FI)Europe And Middle East | 4000 0024 6000 0001 | Visa |
| France (FR)Europe And Middle East | 4000 0025 0000 0003 | Visa |
| Germany (DE)Europe And Middle East | 4000 0027 6000 0016 | Visa |
| Gibraltar (GI)Europe And Middle East | 4000 0029 2000 0005 | Visa |
| Greece (GR)Europe And Middle East | 4000 0030 0000 0030 | Visa |
| Hungary (HU)Europe And Middle East | 4000 0034 8000 0005 | Visa |
| Ireland (IE)Europe And Middle East | 4000 0037 2000 0005 | Visa |
| Italy (IT)Europe And Middle East | 4000 0038 0000 0008 | Visa |
| Latvia (LV)Europe And Middle East | 4000 0042 8000 0005 | Visa |
| Liechtenstein (LI)Europe And Middle East | 4000 0043 8000 0004 | Visa |
| Lithuania (LT)Europe And Middle East | 4000 0044 0000 0000 | Visa |
| Luxembourg (LU)Europe And Middle East | 4000 0044 2000 0006 | Visa |
| Malta (MT)Europe And Middle East | 4000 0047 0000 0007 | Visa |
| Netherlands (NL)Europe And Middle East | 4000 0052 8000 0002 | Visa |
| Norway (NO)Europe And Middle East | 4000 0057 8000 0007 | Visa |
| Poland (PL)Europe And Middle East | 4000 0061 6000 0005 | Visa |
| Portugal (PT)Europe And Middle East | 4000 0062 0000 0007 | Visa |
| Romania (RO)Europe And Middle East | 4000 0064 2000 0001 | Visa |
| Saudi Arabia (SA)Europe And Middle East | 4000 0068 2000 0007 | Visa |
| Slovenia (SI)Europe And Middle East | 4000 0070 5000 0006 | Visa |
| Slovakia (SK)Europe And Middle East | 4000 0070 3000 0001 | Visa |
| Spain (ES)Europe And Middle East | 4000 0072 4000 0007 | Visa |
| Sweden (SE)Europe And Middle East | 4000 0075 2000 0008 | Visa |
| Switzerland (CH)Europe And Middle East | 4000 0075 6000 0009 | Visa |
| United Kingdom (GB)Europe And Middle East | 4000 0082 6000 0000 | Visa |
| United Kingdom (GB)Europe And Middle East | 4000 0582 6000 0005 | Visa (debit) |
| United Kingdom (GB)Europe And Middle East | 5555 5582 6555 4449 | Mastercard |
| Australia (AU)Asia Pacific | 4000 0003 6000 0006 | Visa |
| China (CN)Asia Pacific | 4000 0015 6000 0002 | Visa |
| Hong Kong (HK)Asia Pacific | 4000 0034 4000 0004 | Visa |
| India (IN)Asia Pacific | 4000 0035 6000 0008 | Visa |
| Japan (JP)Asia Pacific | 4000 0039 2000 0003 | Visa |
| Japan (JP)Asia Pacific | 3530 1113 3330 0000 | JCB |
| Malaysia (MY)Asia Pacific | 4000 0045 8000 0002 | Visa |
| New Zealand (NZ)Asia Pacific | 4000 0055 4000 0008 | Visa |
| Singapore (SG)Asia Pacific | 4000 0070 2000 0003 | Visa |
| Taiwan (TW)Asia Pacific | 4000 0015 8000 0008 | Visa |
| Thailand (TH)Asia Pacific | 4000 0076 4000 0003 | Visa (credit) |
| Thailand (TH)Asia Pacific | 4000 0576 4000 0008 | Visa (debit) |
Declined payments
10 cards
The issuer declines these with the listed error and decline code. Use them to test your error messages.
| Generic decline | 4000 0000 0000 0002 | Error code card_declined, decline code generic_decline |
| Insufficient funds decline | 4000 0000 0000 9995 | Error code card_declined, decline code insufficient_funds |
| Lost card decline | 4000 0000 0000 9987 | Error code card_declined, decline code lost_card |
| Stolen card decline | 4000 0000 0000 9979 | Error code card_declined, decline code stolen_card |
| Expired card decline | 4000 0000 0000 0069 | Error code expired_card |
| Incorrect CVC decline | 4000 0000 0000 0127 | Error code incorrect_cvc |
| Processing error decline | 4000 0000 0000 0119 | Error code processing_error |
| Incorrect number decline | 4242 4242 4242 4241 | Error code incorrect_number |
| Exceeding velocity limit decline | 4000 0000 0000 6975 | Error code card_declined, decline code card_velocity_exceeded |
| Decline after attaching | 4000 0000 0000 0341 | Attaching it to a Customer succeeds; charging that customer fails. Error code card_declined |
3D Secure
9 cards
3D Secure cards for Payment Intents and Setup Intents. The Dashboard doesn’t support them.
| 3DS Required · OK | 4000 0000 0000 3220 | 3D Secure authentication must be completed for the payment to be successful.By default, your Radar rules request 3D Secure authentication for this card.Ireland-issued (IE). |
| 3DS Required · OK | 4000 0084 0000 0027 | 3D Secure authentication must be completed for the payment to be successful.By default, your Radar rules request 3D Secure authentication for this card.US-issued (US). |
| 3DS Required · Declined | 4000 0084 0000 1629 | 3D Secure authentication is required, but payments are declinedwith a card_declined failure code after authentication.By default, your Radar 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, your Radar 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, your Radar 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, your Radar 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 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. |
| 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. |
| 3DS Frictionless flow · OK | 4000 0000 3220 0000 | 3D Secure authentication is required on all transactions, regardless of how the card is set up. The authentication proceeds through a frictionless flow, and succeeds. |
Authentication and saved cards (SCA)
4 cards
Strong Customer Authentication (SCA) when a card is saved for later, off-session payments.
| 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-time 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-time payments. All payments are declined with an insufficient_funds failure code even after being successfully authenticated or previously set up. |
Fraud and Radar checks
15 cards
Radar risk levels and failed CVC, postal code and address checks. Provide a CVC or postal code, or the check is skipped.
| Always blocked | 4100 0000 0000 0019 | The charge has a risk level of “highest” Radar always blocks it. |
| Highest risk | 4000 0000 0000 4954 | The charge has a risk level of “highest” Radar might block it depending on your settings. |
| Elevated risk | 4000 0000 0000 9235 | The charge has a risk level of “elevated” Radar might queue it for review. |
| High fraud dispute score | 4000 0084 0000 0407 | This charge has a high fraud dispute score. Radar might block it depending on your settings. |
| High early fraud warning score | 4000 0084 0000 0159 | This charge has a high early fraud warning score. Radar might block it depending on your settings. |
| Dynamic risk thresholds | 4000 0084 0000 1017 | This charge triggers the Radar Dynamic risk thresholds control, when enabled. Radar blocks the transaction if you enable the Dynamic risk thresholds. |
| Free trial abuse | 4001 8588 2184 3804 | This charge triggers the Radar free trial abuse risk control, when enabled. Radar blocks the transaction if you enable the free trial abuse risk control. |
| Adaptive 3DS | 4000 0084 0560 0003 | This charge triggers the Radar Adaptive 3DS risk control, when enabled. If you enable Adaptive 3DS, Radar requests 3DS authentication when using this test card. |
| CVC check fails | 4000 0000 0000 0101 | If you provide a CVC number, the CVC check fails. Radar 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. Radar might block it depending on your settings. |
| CVC check fails with elevated risk | 4000 0584 0030 7872 | If you provide a CVC number, the CVC check fails with a risk level of “elevated” Radar might block it depending on your settings. |
| Postal code check fails with elevated risk | 4000 0584 0030 6072 | If you provide a postal code, the postal code check fails with a risk level of “elevated” Radar 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 Radar rule. |
| Address checks fail | 4000 0000 0000 0010 | The address postal code check and address line 1 check both fail. Radar might block it depending on your settings. |
| Address unavailable | 4000 0000 0000 0044 | The address postal code check and address line 1 check are both unavailable. The payment succeeds unless you block it with a custom Radar rule. |
Disputes and early fraud warnings
12 cards
The charge succeeds, then a dispute or early fraud warning follows. Submit winning_evidence or losing_evidence to close it.
| Fraudulent (asynchronous) | 4061 2199 4639 3810 | Use this card for most test cases. With default account settings, the payment succeeds, and Stripe creates a fraudulent dispute shortly afterward, rather than during the payment request. This sequence more closely reflects live-mode behavior. This type of dispute is protected after 3D Secure authentication. |
| Fraudulent (synchronous) | 4000 0000 0000 0259 | With default account settings, payment succeeds, and Stripe creates a fraudulent dispute during the payment request. This type of dispute is protected after 3D Secure authentication. |
| Discover fraudulent | 6026 5078 3837 7928 | With default account settings, charge succeeds, but is disputed as fraudulent. |
| 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 inquiry. |
| Early fraud 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. |
| Visa compliance | 4000 0084 0000 0779 | With default account settings, charge succeeds, only to be disputed as a Visa compliance dispute. |
| Mastercard compliance | 5105 0084 0000 0002 | With default account settings, charge succeeds, only to be disputed as a Mastercard compliance dispute. |
| Smart disputes | 4000 0000 0100 0043 | With default account settings, charge succeeds, only to be disputed as a Smart Disputes eligible dispute. |
| Partially refunded dispute (asynchronous) | 4000 0084 0000 0795 | The payment succeeds without automatically creating a refund or dispute. If you partially refund the payment, Stripe asynchronously creates a fraudulent dispute for the amount that isn’t refunded. For example, refunding 3 USD of a 10 USD payment creates a 7 USD dispute. Fully refunding the payment doesn’t trigger a dispute. |
Dispute prevention
3 cards
Charges that Visa RDR, Verifi CE3 or Ethoca alerts step in on, when your account is enrolled.
| Visa Rapid Dispute Resolution | 4000 0004 0400 4816 | Charge succeeds, then Visa RDR prevents the dispute if the account is enrolled in Dispute Resolution. Otherwise, creates a dispute. |
| Verifi CE3 block | 4000 0004 0400 5649 | Charge succeeds, then Compelling Evidence 3.0 blocks the dispute if the account is enrolled in Dispute Deflection. Otherwise, creates a dispute. |
| Ethoca alert | 5105 0003 0000 0018 | Charge succeeds, then Ethoca Alerts prevents the dispute if the account is enrolled in Dispute Resolution. Otherwise, creates a dispute. |
Asynchronous refunds
2 cards
The charge succeeds; the refund settles later, or fails later.
| Asynchronous success | 4000 0000 0000 7726 | The charge succeeds. If you initiate a refund, its status begins as pending. Some timelater, 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 timelater, its status transitions to failed and sends a refund.failed event. |
Available balance
2 cards
Funds skip the pending balance, so you can test payouts right away.
| 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. |
US bank accounts (ACH Direct Debit)
12 accounts
Bank account numbers for ACH Direct Debit, all with routing number 110000000.
| Payment succeeds | 000123456789 | Routing number 110000000, PaymentMethod pm_usBankAccount_success |
| Payment fails because the account is closed | 000111111113 | Routing number 110000000, PaymentMethod pm_usBankAccount_accountClosed |
| Payment is blocked by Radar due to a high risk of fraud | 000000004954 | Routing number 110000000, PaymentMethod pm_usBankAccount_riskLevelHighest |
| Payment fails because no account is found | 000111111116 | Routing number 110000000, PaymentMethod pm_usBankAccount_noAccount |
| Payment fails due to insufficient funds | 000222222227 | Routing number 110000000, PaymentMethod pm_usBankAccount_insufficientFunds |
| Payment fails because debits aren’t authorized | 000333333335 | Routing number 110000000, PaymentMethod pm_usBankAccount_debitNotAuthorized |
| Payment fails due to invalid currency | 000444444440 | Routing number 110000000, PaymentMethod pm_usBankAccount_invalidCurrency |
| Payment fails to send microdeposits | 000666666661 | Routing number 110000000, PaymentMethod pm_usBankAccount_failMicrodeposits |
| Payment triggers a dispute | 000555555559 | Routing number 110000000, PaymentMethod pm_usBankAccount_dispute |
| Payment stays in processing (test cancellation) | 000000000009 | Routing number 110000000, PaymentMethod pm_usBankAccount_processing |
| Payment fails: weekly volume limit exceeded | 000777777771 | Routing number 110000000, PaymentMethod pm_usBankAccount_weeklyLimitExceeded |
| Payment fails because of a deactivated tokenized account number | 000888888885 | Routing number 110000000 |
How to use a test card
- Use your test keys (sk_test_..., pk_test_...) or a sandbox. Test cards never work with live keys.
- Enter the number, any future expiry date (12/34) and any CVC: 3 digits, or 4 for American Express.
- Enter any name and postal code. To make a postal code or CVC check fail, use the fraud cards and fill the field in.
- For an independent scenario, use a different card: state from one test (like a saved card) can carry into the next.
More for payments: Stripe fee calculator · Stripe alternatives · free alternatives to paid dev tools · all free developer tools
FAQ
What is the Stripe test card number?+
The default one is 4242 4242 4242 4242 (Visa). Use any future expiry date, such as 12/34, any 3-digit CVC and any postal code. It succeeds without 3D Secure. The other numbers on this page simulate other brands, countries, declines, 3D Secure, disputes and fraud checks.
What expiry date and CVC do I use with a Stripe test card?+
Any date in the future and any 3-digit CVC, or 4 digits for American Express. Stripe skips the CVC check if you leave the CVC out, so to test a failed CVC use 4000 0000 0000 0127 and enter a CVC.
Do Stripe test cards work in live mode?+
No. They only work with test API keys (sk_test_ and pk_test_) in a sandbox or test mode. In live mode they are declined, and Stripe’s services agreement forbids testing in live mode with real card details.
How do I test a declined payment in Stripe?+
Use 4000 0000 0000 0002 for a generic decline, 4000 0000 0000 9995 for insufficient funds, 4000 0000 0000 0069 for an expired card and 4000 0000 0000 0127 for an incorrect CVC. Each returns a card_declined (or the listed) error code your code can handle. 4242 4242 4242 4241 fails the Luhn check and returns incorrect_number.
How do I test 3D Secure in Stripe?+
Use 4000 0000 0000 3220: 3D Secure must be completed for the payment to succeed. 4000 0000 0000 3055 supports 3D Secure but doesn’t require it, and 4000 0084 0000 1629 is declined after authentication. They work with Payment Intents and Setup Intents, not when you create a payment in the Dashboard.
How do I test a dispute or chargeback?+
Charge 4000 0000 0000 0259: the payment succeeds and a fraudulent dispute is created. Stripe recommends 4061 2199 4639 3810 for most cases because the dispute arrives a little later, like in live mode. To close it, submit the text winning_evidence or losing_evidence as dispute evidence.
Are these real credit card numbers?+
No. They pass the Luhn checksum so forms accept them, but they aren’t linked to any account and only Stripe’s test environment understands them. Other processors publish their own test numbers.