Stripe Test Cards: How to Simulate Every Payment Scenario
Use this guide to run realistic payment simulations using Stripe test card numbers, complete with decline codes, AVS mismatches, fraud responses, and more.
Table of Contents
What Are Stripe Test Cards?
Stripe provides a variety of test credit card numbers that allow you to simulate payments in your development environment. These cards are useful for testing successful charges, declined transactions, address mismatches, and fraud scenarios — all without running real payments.
How to Use Stripe Test Cards
To use Stripe test cards, log in to your Stripe dashboard and toggle “Test Mode” on. Enter any valid future expiration date and any three-digit CVC when using the card numbers below. You can also test international and 3D Secure scenarios depending on your integration settings.
Stripe Test Cards for Successful Transactions
| Card Number | Card Type | Behavior |
|---|---|---|
| 4242 4242 4242 4242 | Visa | Payment succeeds |
| 4000 0566 5566 5556 | Visa (debit) | Payment succeeds |
| 5555 5555 5555 4444 | Mastercard | Payment succeeds |
Decline Code Simulations
These test card numbers simulate failed payments with specific decline codes returned by the card network:
- 4000 0000 0000 0002 — Card declined
- 4000 0000 0000 9995 — Insufficient funds
- 4000 0000 0000 0341 — Lost card
- 4000 0000 0000 0119 — Fraudulent
AVS and CVC Checks
To test how your integration handles address and CVC mismatches, use the following combinations:
- Card: 4000 0000 0000 0101
- Behavior: AVS and CVC checks fail
- Address Zip: 12345
- CVC: 123 (fails)
Stripe Test Mode FAQs
Can I test 3D Secure? Yes. Stripe offers specific cards that trigger authentication flows during checkout.
Do these cards charge real money? No. They only work while your account is in Test Mode and will not process real payments.
Can I use these cards in live mode? No. All test cards will be rejected in live environments.
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