Developer cheat sheet

Stripe test card numbers (2026)

Use 4242 4242 4242 4242 with any future expiry date, any 3-digit CVC and any postal code. Below: every brand, decline, 3D Secure, fraud, dispute and refund test card, and cards by country. Search, then copy with one click.

4242 4242 4242 4242Any future date · any CVC · test keys only

Numbers from Stripe’s testing docs, checked . Kept up to date by AgentaOS, a merchant of record.

Successful payments

Cards by brand

BrandNumberCVC
Visa4242 4242 4242 4242Any 3 digits
Visa (debit)4000 0566 5566 5556Any 3 digits
Mastercard5555 5555 5555 4444Any 3 digits
Mastercard (2-series)2223 0031 2200 3222Any 3 digits
Mastercard (debit)5200 8282 8282 8210Any 3 digits
Mastercard (prepaid)5105 1051 0510 5100Any 3 digits
American Express3782 8224 6310 005Any 4 digits
American Express3714 4963 5398 431Any 4 digits
Discover6011 1111 1111 1117Any 3 digits
Discover6011 0009 9013 9424Any 3 digits
Discover (debit)6011 9811 1111 1113Any 3 digits
Diners Club3056 9300 0902 0004Any 3 digits
Diners Club (14-digit)3622 7206 2716 67Any 3 digits
BCcard and DinaCard6555 9000 0060 4105Any 3 digits
JCB3566 0020 2036 0505Any 3 digits
UnionPay6200 0000 0000 0005Any 3 digits
UnionPay (debit)6200 0000 0000 0047Any 3 digits
UnionPay (19-digit)6205 5000 0000 0000 004Any 3 digits
Cartes Bancaires / Visa4000 0025 0000 1001Any 3 digits
Cartes Bancaires / Mastercard5555 5525 0000 1001Any 3 digits
eftpos Australia / Visa4000 0503 6000 0001Any 3 digits
eftpos Australia / Mastercard5555 0503 6000 0080Any 3 digits
Failures

Declined payments

ScenarioNumberError / decline code
Generic decline4000 0000 0000 0002card_declined / generic_decline
Insufficient funds4000 0000 0000 9995card_declined / insufficient_funds
Lost card4000 0000 0000 9987card_declined / lost_card
Stolen card4000 0000 0000 9979card_declined / stolen_card
Expired card4000 0000 0000 0069expired_card
Incorrect CVC4000 0000 0000 0127incorrect_cvc
Processing error4000 0000 0000 0119processing_error
Incorrect number4242 4242 4242 4241incorrect_number
Velocity limit exceeded4000 0000 0000 6975card_declined / card_velocity_exceeded
Declines after attaching to a customer4000 0000 0000 0341Charges fail after the card is attached
SCA and 3D Secure

Authentication (3DS)

ScenarioNumberWhat happens
3DS required, succeeds (Ireland-issued)4000 0000 0000 3220Authentication must complete
3DS required, succeeds (US-issued)4000 0084 0000 0027Authentication must complete
3DS required, then declined4000 0084 0000 1629Authenticates, then card_declined
3DS required, lookup error4000 0084 0000 1280Processing error, then card_declined
3DS supported, not required4000 0000 0000 30553DS may run, not required
3DS supported, error4000 0000 0000 30973DS attempts return a processing error
3DS not supported3782 8224 6310 005Proceeds without authentication
Frictionless 3DS4000 0000 3220 0000Always required, succeeds frictionless
Authenticate unless set up4000 0025 0000 3155Off-session needs auth unless set up
Always authenticate4000 0027 6000 3184Auth required on every payment
Already set up4000 0038 0000 0446On-session needs auth; off-session succeeds
Auth required, insufficient funds4000 0082 6000 3178Auth, then insufficient_funds
Radar

Fraud and risk checks

ScenarioNumberWhat happens
Always blocked4100 0000 0000 0019Radar always blocks
Highest risk4000 0000 0000 4954May be blocked per your rules
Elevated risk4000 0000 0000 9235May be queued for review
CVC check fails4000 0000 0000 0101Fails if a CVC is provided
Postal code check fails4000 0000 0000 0036Fails if a postal code is provided
Address checks fail4000 0000 0000 0010Postal and line 1 checks fail
Free trial abuse4001 8588 2184 3804Blocked if the control is on
After the payment

Disputes and refunds

ScenarioNumberWhat happens
Fraudulent4000 0000 0000 0259Disputed as fraudulent
Not received4000 0000 0000 2685Disputed as product not received
Inquiry4000 0000 0000 1976Disputed as an inquiry
Early fraud warning4000 0000 0000 5423Gets an early fraud warning
Multiple disputes4000 0004 0400 0079Disputed more than once
Refund succeeds later4000 0000 0000 7726pending, then succeeded
Refund fails later4000 0000 0000 5126succeeded, then failed
International

Cards by country

CountryNumber
United States4242 4242 4242 4242
United Kingdom4000 0082 6000 0000
Germany4000 0027 6000 0016
France4000 0025 0000 0003
Netherlands4000 0052 8000 0002
Spain4000 0072 4000 0007
Italy4000 0038 0000 0008
Ireland4000 0037 2000 0005
Estonia4000 0023 3000 0009
Poland4000 0061 6000 0005
Canada4000 0012 4000 0000
Brazil4000 0007 6000 0002
Mexico4000 0048 4000 8001
India4000 0035 6000 0008
Japan4000 0039 2000 0003
Australia4000 0003 6000 0006
Singapore4000 0070 2000 0003
United Arab Emirates4000 0078 4000 0001
Selling through a merchant of record

Test mode on AgentaOS and others

AgentaOS: connect with a sk_test_ key (or pick Test when connecting your AI agent), open any buyer link and pay with 4242 4242 4242 4242. Everything works in test mode before your account is verified. Docs.

Other providers’ test modes, from their own docs: Creem · Paddle sandbox · Lemon Squeezy · Polar sandbox.

Switching provider? Move your products in one command.

Questions

Related questions

What is the Stripe test card number?

4242 4242 4242 4242 (Visa), with any future expiry date, any 3-digit CVC and any postal code. It works only with test API keys.

Which Stripe test card is declined?

4000 0000 0000 0002 returns a generic decline. 4000 0000 0000 9995 declines for insufficient funds, 4000 0000 0000 0069 as expired and 4000 0000 0000 0127 for an incorrect CVC.

How do I test 3D Secure with Stripe?

4000 0000 0000 3220 requires authentication and succeeds once completed. 4000 0084 0000 1629 authenticates and then declines.

Can I use Stripe test cards in live mode?

No. Test card numbers only work with test API keys; a real card is needed in live mode.

Do merchants of record use the same test cards?

Many run on card processors that accept the same test numbers in their own test mode. Check each provider: AgentaOS test mode takes 4242 4242 4242 4242 on the hosted checkout.

Keep reading

Related

Merchant of Record providers comparedPut the checkout on your own siteStripe isn’t available in my countryMove from Paddle, Lemon Squeezy, Creem or Gumroad

Source: docs.stripe.com/testing. Stripe is a trademark of Stripe, Inc.; AgentaOS is not affiliated with Stripe. Link to this page: https://agentaos.ai/tools/stripe-test-cards