Testing

This page includes test card numbers and other information to make sure your integration works as planned. Use it to trigger different flows in your integration and ensure they are handled accordingly.

Payment Intents API

When using the Payment Intents API with Stripe's client libraries and SDKs, ensure that:

• Authentication flows are triggered when required (use the regulatory test card numbers and PaymentMethods.)
  • No authentication (default U.S. card): 4242 4242 4242 4242.
  • Authentication required: 4000 0027 6000 3184.
• The PaymentIntent is created with an idempotency key to avoid erroneously creating duplicate PaymentIntents for the same purchase.
• Errors are caught and displayed properly in the UI.

Charges API

When using the Charges API with Stripe's client libraries and SDKs, ensure that:

• The card Element is passed correctly to createToken in your submit handler.
• In the response handler for createToken, card errors are handled and displayed properly.
• Only valid tokens are passed to your server as part of payment form submission.

Server-side code

In your server-side code, ensure that:

• All requests are being made successfully. You may find it useful to view your account's events and logs as you test your integration.
• All API errors are handled properly.
• Relevant webhooks are handled correctly.

Basic test card numbers

Genuine card information cannot be used in test mode. Instead, use any of the following test card numbers, a valid expiration date in the future, and any random CVC number, to create a successful payment. Each basic test card's billing country is set to U.S. If you need to create test card payments using cards for other billing countries, use our international test cards.

International test card numbers

You can use any of the following test cards to simulate a successful payment for different billing countries.

Regulatory (3D Secure) test card numbers

The following card information tests payments affected by regional regulations such as Strong Customer Authentication (SCA). Use it to test saving cards with the Setup Intents API.

3D Secure test card numbers and tokens

Not all cards support 3D Secure or require the customer be redirected to their card issuer's authentication page. Use the following card information to test 3D Secure payments.

All other Visa and Mastercard test cards do not require authentication from the customer's card issuer.

Testing for specific responses and errors

The following test cards can be used to create payments that produce specific responses—useful for testing different scenarios and error codes. Verification checks only run when the required information is provided (e.g., for cvc_check to be set to fail, a CVC code must be provided).

By default, passing address or CVC data with the card number causes the address and CVC checks to succeed. If this information isn't specified, the value of the checks is null. Any expiration date in the future is considered valid.

You can also provide invalid card details to test specific error codes resulting from incorrect information being provided. For example:

• invalid_expiry_month: Use an invalid month (e.g., 13)
• invalid_expiry_year: Use a year in the past (e.g., 1970)
• invalid_cvc: Use a two digit number (e.g., 99)

Cartes Bancaires test card numbers

In test mode, you can use the test cards below to simulate a Cartes Bancaires charge:

Disputes

In test mode, you can use the test cards below to simulate a disputed transaction:

The following evidence, when submitted in the uncategorized_text, produces specific actions that are useful for testing the dispute flow:

Rate limits

It is extremely unlikely for users to experience any rate limits with normal usage of the API, even at high volume. The most common causes for a user to experience rate limits are bugs, bulk data fetches, or extreme load testing.

Should your requests begin to receive 429 HTTP errors, reduce the frequency of your requests. Each failed request is perfectly safe to retry as rate limiting takes place before any other action and prevents the request from being processed. When reducing your request frequency, we recommend an exponential backoff by first waiting one second before trying again. If your request continues to receive the same response, wait two seconds, then four seconds, etc.

The rate limit in test mode is lower than the one in live mode. If you are experiencing rate limits but are unable to determine why, please let us know.

Sources

Use the following information when testing payments using Sources.

Redirect sources

When creating a test Source object that uses a redirect flow (e.g., iDEAL), you can follow the URL returned in the redirect[url] field. This leads to a Stripe page that displays information about the API request, and where you can either authorize or cancel the payment.

Authorizing the payment redirects you to the URL specified in redirect[return_url].

BECS Direct Debit in Australia

You can create a test PaymentIntent that either succeeds or fails by doing the following:

1. Create a test PaymentMethod with the test BSB 000-000 and a test account number from the list below.
2. Use the resulting PaymentMethod in a confirmAuBecsDebitPayment request to create the test charge.

Test account numbers

SEPA Direct Debit

You can create a test PaymentIntent that either succeeds or fails by doing the following:

1. Create a test PaymentMethod with a test account number.
2. Use the resulting PaymentMethod in a confirmSepaDebitPayment request to create the test charge.

Test account numbers

Webhooks

To test your integration, perform actions using the API (in test mode) to send legitimate events to your endpoint. For instance, creating a charge triggers the charge.succeeded event that contains the charge data. You can then use the API to verify the resulting event data. If you're migrating to the Payment Intents API, also see Monitoring a PaymentIntent with Webhooks.

You can also send test events to your integration's endpoint within your account's webhooks settings. However, the event data contained within these events is fabricated and not available in the API—its purpose is only to test that your endpoint is working and configured correctly.

See also

• Testing ACH charges
• Testing your Bacs Direct Debit integration
• Testing your Connect integration