Stripe Test Credit Card Numbers 2024

Stripe provides a comprehensive array of Stripe test card numbers, allowing you to simulate a wide range of payment scenarios. These test card numbers serve as important tools for creating simulated payments in test mode, all without the need to process actual payments or incur any charges.

They offer merchants the ability to rigorously test many payment gateway features without filling in the genuine card details. Beyond catering to some major credit card providers, Stripe’s test numbers can help you with fraud prevention mechanisms, declined transactions, and much more.

In this guide, we will discuss more about the current Stripe test card numbers for [2024], exploring how they are utilized and which card numbers are best suited for testing specific scenarios.

Introduction To Stripe Test Card Numbers

Stripe test cards serve a pivotal role in the simulation of successful payments across different geographic regions, as well as the rigorous testing of Stripe integration. These test cards leverage predefined card numbers to rigorously validate the functionality of business systems concerning payment authorization, global payment processing, adherence to regulatory card payment standards, and the handling of invalid payment data. It’s important to note that these test cards function exclusively within an environment configured for Stripe’s test mode.

However, safeguarding against fraudulent activities and unauthorized card usage is of paramount importance for every business. Inadvertently leaving the test mode enabled within a production environment can expose your Stripe test cards to potential misuse during integration testing. Therefore, it is imperative for Stripe platform users to diligently confirm that the production environment is not inadvertently set to Stripe test mode, mitigating any unintended risks associated with testing in a live setting.

Let’s explore the primary use cases of these test cards:

Standard Transactions: Retailers can utilize Stripe test cards to assess common US transactions. In the US, Stripe provides a range of test card numbers, including leading credit card providers, allowing businesses to validate the core functionality of their payment system.

International Transactions: For merchants catering to a global clientele, Stripe test cards enable the simulation of international transactions originating from different countries. This capability ensures that your payment gateway seamlessly works with overseas clients, verifying its international transaction capabilities.

Declined Transactions: It’s essential to evaluate how your payment system handles declined transactions, including scenarios like “stolen card” or “lost card” declines. Stripe’s test cards facilitate this by allowing businesses to assess their system’s response to such events, ensuring a smooth customer experience even in adverse situations.

Fraud Prevention: As the threat of fraud continues to evolve, robust fraud prevention measures are critical. Stripe offers the means to test its tools for fraud prevention, like the Stripe Radar. These tests help ensure that your gateway effectively blocks any charges from any incorrect addresses, incorrect Card Verification Codes (CVCs), and other suspicious activities. Given that fraud incidents increase by over forty percent every second year, it’s imperative to verify the accuracy and effectiveness of your mechanisms for fraud prevention.

Types of Stripe Test Cards:
A Comprehensive Overview

Stripe offers a comprehensive range of test cards to facilitate various types of card testing. These test cards are designed to verify card numbers, with no validation of zip codes or CVC. Let’s see the different categories of Stripe test cards:

Common Cards: Within this category, you’ll find 14 options representing different card brands. The Stripe’s test cards selection includes the following:

●      American Express – 2 variants ●      Mastercard ●      Mastercard – 2 series ●      Mastercard – Debit card ●      Mastercard – Prepaid ●      Diners Club – 16 digits

●      Discover – 2 variants ●      Diners Club – 14 digits ●      UnionPay ●      Visa ●      Visa – Debit card ●      JCB

Global Cards: These cards are suitable for testing purposes across multiple regions, including Africa, America, the Asia-Pacific region, Europe, and the Middle East.

3D or Regulatory Secure Cards: Stripe provides cards that allow you to test scenarios involving two-factor authentication, ensuring compliance with regulatory requirements during payment transactions.

Cards Used In Particular Response Testing: When you need to simulate declined transactions for various reasons such as insufficient funds, incorrect PIN, incorrect billing address, or invalid expiry month or year, these test cards come in handy.

Cartes Bancaires Cards: Specifically designed for testing French card payments co-branded with Mastercard or Visa.

Disputes: In cases of payment disputes, Stripe offers test cards that mimic formal dispute situations. Payments can be provisionally reversed, but it’s important to note that the card issuer’s decision ultimately prevails and is binding on the customer.

Direct Debits: Stripe provides the capability to generate direct debit mandates for businesses. These mandates can be presented to customers for acceptance, enabling direct debits once authorized.

List Of Stripe Test Cards In Different Regions

Using Stripe’s designated test card numbers is really important to ensure your payment gateway is all good from every perspective. Let’s have a look at some test card numbers provided by Stripe:

Stripe’s Test Cards In The US

You can use these cards to replicate the transaction in the USA.

Test Card Number	Brand	Date Of Expiration	Card CVC
378282246310005	American Express	Any Date In The Future	Any 4 Numbers
371449635398431	American Express	Any Date In The Future	Any 4 Numbers
3056930009020004	Diners Club	Any Date In The Future	Any 3 Numbers
3622 720627 1667	Diners Club – 14 Digits	Any Date In The Future	Any 3 Numbers
6011111111111117	Discover	Any Date In The Future	Any 3 Numbers
6011000990139424	Discover	Any Date In The Future	Any 3 Numbers
6011981111111113	Discover – Debit Card	Any Date In The Future	Any 3 Numbers
3566002020360505	JCB	Any Date In The Future	Any 3 Numbers
5555555555554444	Mastercard	Any Date In The Future	Any 3 Numbers
2223003122003222	Mastercard – 2 series	Any Date In The Future	Any 3 Numbers
5200828282828210	Mastercard – Debit Card	Any Date In The Future	Any 3 Numbers
5105105105105100	Mastercard – Prepaid Card	Any Date In The Future	Any 3 Numbers
6200000000000005	UnionPay	Any Date In The Future	Any 3 Numbers
6200000000000047	UnionPay – Debit	Any Date In The Future	Any 3 Numbers
4242424242424242	Visa	Any Date In The Future	Any 3 Numbers
4000056655665556	Visa – Debit	Any Date In The Future	Any 3 Numbers

Stripe Test Cards In The American Continent

You can use these cards to replicate the transaction in the American continent.

Country	Test Card Number	Brand
Argentina	4000000320000021	Visa
Brazil	4000000760000002	Visa
Canada	4000001240000000	Visa
Mexico	4000004840008001	Visa
United States	4242424242424242	Visa

Stripe Test Cards In the Middle East And Europe

You can use these cards to replicate the transaction in the Middle East and Europe.

Country	Test Card Number	Brand
Austria	4000000400000008	Visa
Belarus	4000001120000005	Visa
Belgium	4000000560000004	Visa
Bulgaria	4000001000000000	Visa
Croatia	4000001910000009	Visa
Cyprus	4000001960000008	Visa
Czechia (Czech Republic)	4000002030000002	Visa
Denmark	4000002080000001	Visa
Estonia	4000002330000009	Visa
Finland	4000002460000001	Visa
France	4000002500000003	Visa
Germany	4000002760000016	Visa
Gibraltar	4000002920000005	Visa
Greece	4000003000000030	Visa
Hungary	4000003480000005	Visa
Ireland	4000003720000005	Visa
Italy	4000003800000008	Visa
Latvia	4000004280000005	Visa
Liechtenstein	4000004380000004	Visa
Lithuania	4000004400000000	Visa
Luxembourg	4000004420000006	Visa
Malta	4000004700000007	Visa
Netherlands	4000005280000002	Visa
Norway	4000005780000007	Visa
Poland	4000006160000005	Visa
Portugal	4000006200000007	Visa
Romania	4000006420000001	Visa
Saudi Arabia	4000006820000007	Visa
Slovakia	4000007030000001	Visa
Slovenia	4000007050000006	Visa
Spain	4000007240000007	Visa
Sweden	4000007520000008	Visa
Switzerland	4000007560000009	Visa
UAE (United Arab Emirates)	4000007840000001	Visa
UAE (United Arab Emirates)	5200007840000022	Mastercard
UK (United Kingdom)	4000008260000000	Visa
UK (United Kingdom)	4000058260000005	Visa – Debit
UK (United Kingdom)	5555558265554449	Mastercard

Stripe Test Cards In Asian/Pacific Countries

You can use these cards to replicate the transaction in the Asian/Pacific Countries.

Country	Test Card Number	Brand
China	4000001560000002	Visa
Hong Kong	4000003440000004	Visa
India	4000003560000008	Visa
Japan	4000003920000003	Visa
Japan	3530111333300000	JCB
Malaysia	4000004580000002	Visa
New Zealand	4000005540000008	Visa
Singapore	4000007020000003	Visa
Thailand	4000007640000003	Visa – Credit Card
Thailand	4000057640000008    Visa (debit)	Visa – Debit Card

Stripe Test Cards For Fraud Prevention And Declines

You can use these cards to replicate the declined transactions. It is very useful for testing your payment gateway’s logic of error handling.

Stripe Test Cards for Declines:

Test Card Number	Decline Reason	Code	Error Code
4000000000000002	Generic decline	generic_decline	card_declined
4000000000000069	Expired card	–	expired_card
4000000000000119	Processing Error	–	processing_error
4000000000000127	Incorrect CVC	–	incorrect_cvc
4000000000009979	Stolen card	stolen_card	card_declined
4000000000009987	Lost card	lost_card	card_declined
4000000000009995	Insufficient Balance	insufficient_funds	card_declined
4242424242424241	Incorrect Number	–	incorrect_number

Stripe Test Cards for Fraud Prevention:

Card Number	Reason	Details
4000000000000010	Address checking fail	Failure of Address line1 and Postal code checking. The Radar may block it according to your particular settings.
4000000000000028	Line1 checking fails	Failure of Address line checking. Payment can pass through unless you have blocked it.
4000000000000036	Postal code checking fails	Failure of postal code checking. The Radar may block it according to your particular settings.
4000000000000044	Address unavailable	Unavailable Postal code or the Address line. Payment can pass through unless you have blocked it.
4000000000000101	CVC checking fails	Failure of CVC checking. The Radar may block it according to your particular settings.
4000000000004954	Highest risk	The risk level on charge is “highest.” The Radar may block it according to your particular settings.
4000000000009235	Elevated risk	The risk level on charge is “elevated.” The Radar may review it according to your particular settings.
4100000000000019	Always blocked	The risk level on charge is very high. The Radar will block it.

Stripe Test 3D Secure Card Numbers

Card Number	Description	Details
4000002500003155	Authentication Required Unless Set Up	This card necessitates authentication for off-session payments unless you have configured it for future transactions. Once setup is done, off-session payments will proceed without the need for additional authentication.
4000002760003184	Mandatory Authentication	This card mandates authentication for all transactions, no matter how the card is configured.
4000003800000446	Already Configured for Off-Session Use	This card is pre-configured for off-session usage. While it does require authentication for one-time and other on-session payments, every off-session transaction is approved as if the card has already been set up.
4000008260003178	Not Enough Funds	For this card, authentication is a prerequisite for one-time payments. Nevertheless, all payments, even after successful authentication or prior setup, result in a declined status with an “insufficient_funds” failure code.

Conclusion – Stripe Test Cards

Stripe’s test mode offers a valuable way to trial your payment gateway functionality without the need for actual credit card details. However, it’s essential to note that utilizing Stripe’s test card numbers requires your account to be in test mode rather than live mode. To transition into test mode, follow these straightforward steps: log into your business’s Stripe account, access the settings, and activate the test mode feature.

For those who find the concept of using Stripe’s test card numbers somewhat intricate, you’re not alone in this area. While these numbers serve a crucial role in testing payment gateway integrations, the entire testing process can be complex, particularly for people with no technical background.

In such cases, consider enlisting the assistance of a qualified developer or explore the option of hiring a certified expert. Alternatively, you can explore ready-made solutions developed by verified partners, eliminating the need to write code for testing purposes.

Frequently Asked Questions