# Stripe Test Cards — Card Number Reference for AI Agents

> Stripe test card numbers covering success, decline, 3DS challenge, insufficient funds, expired, and disputed flows. Required for AI agent QA.

## Install

Copy the content below into your project:

## Quick Use

1. Get sk_test_... key from dashboard.stripe.com/test/apikeys
2. Use 4242 4242 4242 4242 for success, 4000 0000 0000 0002 for generic decline
3. Pair with `stripe listen` for webhook testing

---

## Intro

Stripe test cards are special card numbers that work only in test mode (sk_test_... keys). Each number triggers a deterministic outcome — success, decline, 3D Secure challenge, insufficient funds, dispute, or chargeback — without moving real money. AI agents that handle payments need this reference to write integration tests, simulate failure modes, and seed demo accounts. Best for: agent QA, payment flow demos, integration test fixtures. Works with: any Stripe-connected agent (Stripe Agent Toolkit, custom tool calls). Setup time: zero — copy and paste.

---

### Success cards

| Number | Brand | Use case |
|---|---|---|
| 4242 4242 4242 4242 | Visa | Default success |
| 5555 5555 5555 4444 | Mastercard | Mastercard success |
| 3782 822463 10005 | Amex | Amex success (15-digit) |
| 6011 1111 1111 1117 | Discover | Discover success |
| 4000 0566 5566 5556 | Visa (debit) | Debit success |

CVC: any 3 digits (4 for Amex). Expiry: any future date. Postal: any.

### Decline cards (test failure flows)

| Number | Decline reason |
|---|---|
| 4000 0000 0000 0002 | `card_declined` (generic) |
| 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` |

### 3D Secure / SCA

| Number | Behavior |
|---|---|
| 4000 0027 6000 3184 | Always requires authentication |
| 4000 0025 0000 3155 | Authentication required if PaymentIntent SCA detected |
| 4000 0082 6000 3178 | Authentication, then declines |

### Disputes / chargebacks

| Number | Triggers |
|---|---|
| 4000 0000 0000 0259 | Successful payment, then disputed (`fraudulent`) |
| 4000 0000 0000 1976 | Disputed (`product_not_received`) |
| 4000 0000 0000 5423 | Disputed (`unrecognized`) |

### Programmatic seeding

```python
import stripe
stripe.api_key = "sk_test_..."

# Seed 5 successful customers each with a default decline-on-charge card
for i in range(5):
    cust = stripe.Customer.create(email=f"qa+decline-{i}@example.com")
    stripe.PaymentMethod.attach(
        stripe.PaymentMethod.create(
            type="card",
            card={"number": "4000000000000002", "exp_month": 12, "exp_year": 2030, "cvc": "123"},
        ).id,
        customer=cust.id,
    )
```

---

### FAQ

**Q: Will these cards work in live mode?**
A: No — they only work with sk_test_... keys. In live mode they decline as invalid card numbers. This is by design so test fixtures can never accidentally charge real customers.

**Q: How do I test webhook delivery for declines?**
A: Charge a decline card with a real PaymentIntent flow and Stripe will fire a `payment_intent.payment_failed` webhook. Use the Stripe CLI (`stripe listen --forward-to localhost:4242/webhook`) to receive events locally.

**Q: Are these the same as the Connect test cards?**
A: Mostly yes for the card itself, but Connect platform tests have additional test bank accounts and external accounts. See stripe.com/docs/connect/testing for the platform-specific test resources.

---

## Source & Thanks

> Compiled from [Stripe Docs](https://docs.stripe.com/testing). Reference open and unrestricted.
>
> [stripe/stripe-docs](https://docs.stripe.com/testing) — official source

---

<!-- ZH -->

## 快速使用

1. 在 dashboard.stripe.com/test/apikeys 拿 sk_test_... key
2. 4242 4242 4242 4242 测成功，4000 0000 0000 0002 测通用拒付
3. 配 `stripe listen` 测 webhook

---

## 简介

Stripe 测试卡是只在测试模式（sk_test_... key）有效的特殊卡号。每个卡号触发确定性结果 —— 成功、拒付、3D Secure 挑战、余额不足、争议、拒付 —— 都不动真钱。处理支付的 AI agent 需要这份参考来写集成测试、模拟失败模式、给 demo 账号灌种子数据。适合 agent QA、支付流程 demo、集成测试 fixture。兼容任何接 Stripe 的 agent（Stripe Agent Toolkit / 自定义 tool call）。装机时间 0 —— 复制粘贴即可。

---

### 成功卡

| 卡号 | 品牌 | 用途 |
|---|---|---|
| 4242 4242 4242 4242 | Visa | 默认成功 |
| 5555 5555 5555 4444 | Mastercard | 万事达成功 |
| 3782 822463 10005 | Amex | 美运通成功（15 位）|
| 6011 1111 1111 1117 | Discover | Discover 成功 |
| 4000 0566 5566 5556 | Visa 借记卡 | 借记成功 |

CVC：任意 3 位（Amex 4 位）。有效期：任意未来日期。邮编：任意。

### 拒付卡（测失败流程）

| 卡号 | 拒付原因 |
|---|---|
| 4000 0000 0000 0002 | `card_declined`（通用）|
| 4000 0000 0000 9995 | `insufficient_funds`（余额不足）|
| 4000 0000 0000 9987 | `lost_card`（卡丢）|
| 4000 0000 0000 9979 | `stolen_card`（卡被盗）|
| 4000 0000 0000 0069 | `expired_card`（卡过期）|
| 4000 0000 0000 0127 | `incorrect_cvc`（CVC 错）|
| 4000 0000 0000 0119 | `processing_error`（处理错）|

### 3D Secure / SCA

| 卡号 | 行为 |
|---|---|
| 4000 0027 6000 3184 | 始终需要认证 |
| 4000 0025 0000 3155 | PaymentIntent 触发 SCA 时要认证 |
| 4000 0082 6000 3178 | 先认证再拒付 |

### 争议 / 拒付（chargeback）

| 卡号 | 触发 |
|---|---|
| 4000 0000 0000 0259 | 支付成功，随后被争议（`fraudulent`）|
| 4000 0000 0000 1976 | 被争议（`product_not_received`）|
| 4000 0000 0000 5423 | 被争议（`unrecognized`）|

### 程序化灌种子

```python
import stripe
stripe.api_key = "sk_test_..."

# 灌 5 个成功客户，每个挂一张默认 charge 即拒付的卡
for i in range(5):
    cust = stripe.Customer.create(email=f"qa+decline-{i}@example.com")
    stripe.PaymentMethod.attach(
        stripe.PaymentMethod.create(
            type="card",
            card={"number": "4000000000000002", "exp_month": 12, "exp_year": 2030, "cvc": "123"},
        ).id,
        customer=cust.id,
    )
```

---

### FAQ

**Q: 这些卡在 live 模式能用吗？**
A: 不能 —— 只对 sk_test_... key 有效。Live 模式下会按无效卡号拒付。这是设计如此 —— 测试 fixture 永远不会误扣真实客户的钱。

**Q: 怎么测拒付的 webhook 投递？**
A: 用真实 PaymentIntent 流程刷一笔拒付卡，Stripe 会触发 `payment_intent.payment_failed` webhook。用 Stripe CLI（`stripe listen --forward-to localhost:4242/webhook`）在本地收事件。

**Q: 这些跟 Connect 测试卡一样吗？**
A: 卡本身大体一样，但 Connect 平台测试有额外的测试银行账户和外部账户。看 stripe.com/docs/connect/testing 拿平台专属测试资源。

---

## 来源与感谢

> Compiled from [Stripe Docs](https://docs.stripe.com/testing). Reference open and unrestricted.
>
> [stripe/stripe-docs](https://docs.stripe.com/testing) — official source


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Source: https://tokrepo.com/en/workflows/stripe-test-cards-card-number-reference-for-ai-agents
Author: Stripe