Stripe Test Card Numbers — Every Card + What They Trigger (2026)

Reference card for every commonly used Stripe test card number. Works in Stripe's test mode when the API key starts with sk_test_ or pk_test_. In test mode, real card numbers are rejected and these test numbers charge normally without any money moving. Use any valid future expiry date, any 3-digit CVC (or 4-digit for Amex), and any ZIP.

Successful payment cards

Number	Brand	What it does
4242 4242 4242 4242	Visa	Charges succeed. The canonical happy-path test card.
4000 0566 5566 5556	Visa (debit)	Succeeds. Marked as debit — useful for testing debit-specific flows.
5555 5555 5555 4444	Mastercard	Succeeds. Standard Mastercard test.
2223 0031 2200 3222	Mastercard (2-series BIN)	Succeeds. Tests the 2xxx BIN range that some legacy systems miss.
3782 822463 10005	American Express	Succeeds. Requires 4-digit CID (any 4 digits).
6011 1111 1111 1117	Discover	Succeeds.
3056 9300 0902 0004	Diners Club	Succeeds.
3566 0020 2036 0505	JCB	Succeeds.
6200 0000 0000 0005	UnionPay	Succeeds.

Cards that always decline

Number	Decline reason returned by API
4000 0000 0000 0002	card_declined — generic decline
4000 0000 0000 9995	insufficient_funds
4000 0000 0000 9987	lost_card
4000 0000 0000 9979	stolen_card
4000 0000 0000 0069	expired_card
4000 0000 0000 0127	incorrect_cvc
4000 0000 0000 0119	processing_error
4242 4242 4242 4241	incorrect_number — fails Luhn check

3D Secure / SCA authentication

Number	3DS behavior
4000 0025 0000 3155	Requires 3DS authentication. Succeeds when the user authenticates in the modal.
4000 0027 6000 3184	Requires 3DS. Test what happens when the customer fails auth (declined).
4000 0038 0000 0446	3DS supported but NOT required. Confirms without a challenge.
4000 0082 6000 3178	3DS required. Payment succeeds even without authentication (frictionless 3DS).

Fraud, disputes, and refund testing

Number	Purpose
4000 0000 0000 0259	Succeeds, then a dispute (fraudulent) is created after processing.
4000 0000 0000 2685	Succeeds, then dispute created with product_not_received reason.
4100 0000 0000 0019	Blocked by Radar — rule_matched fraud rule.
4000 0000 0000 0101	Succeeds if CVC provided; declines with incorrect_cvc if omitted.
4000 0000 0000 0093	Succeeds, then automatically refunded after processing.

International cards

Country	Number
United States	4242 4242 4242 4242
United Kingdom	4000 0082 6000 0000
Canada	4000 0012 4000 0000
India	4000 0035 6000 0008
Australia	4000 0003 6000 0006
Japan	4000 0039 2000 0003
Brazil	4000 0007 6000 0002
Germany	4000 0027 6000 0016
France	4000 0025 0000 0003
Singapore	4000 0070 2000 0003

Testing UPI, wallets, and non-card methods

For UPI, use test VPA success@stripe (succeeds) or failure@stripe (declines). For iDEAL, use the sandbox bank selector — any test bank returns a successful confirmation. For Klarna, use test email [email protected]. For SEPA Direct Debit, use IBAN DE89 3704 0044 0532 0130 00 — succeeds and triggers a mandate.

Related developer tools

Test Credit Card Generator (generates valid-format numbers with Luhn) · JWT Decoder (inspect Stripe webhook JWTs) · Regex Tester (test card-number patterns) · Credit card regex pattern.

Testing gotchas

• Amex CID is 4 digits, not 3. Passing a 3-digit CVC will fail validation before it even hits Stripe.
• Test mode ignores country codes — the "country" a test card returns is set by the BIN, not by any card country field.
• Radar rules run in test mode. If your live-mode Radar rule blocks tests, disable it or use a card explicitly whitelisted from Radar.
• 3DS test cards need frontend JS. The 4000 0025 0000 3155 card will fail server-side confirmation without confirmCardPayment in @stripe/stripe-js.