Simulate every real-world checkout event deterministically. Playground API includes 14+ magic test card numbers, dynamic expiry validations, AVS postal address verification, and dynamic CVC security checks—zero real money charged.
TEST MODE
14 official test card credentials mapped to specific payment gateway outcomes.
| Card Number | Brand | Outcome | HTTP & Error Code | Description & Handler Advice | Actions |
|---|---|---|---|---|---|
| 4242 4242 4242 4242 | Visa | Immediate Success | 200 | Universal successful charge. Emulates valid card with sufficient liquidity and clean issuer risk score. Advice: Fulfill order, send customer receipt, dispatch payment_intent.succeeded webhook. | |
| 5555 5555 5555 4444 | Mastercard | Immediate Success | 200 | Mastercard format successful payment. Validates multi-network bin routing and BIN range matching. Advice: Fulfill order, trigger inventory decrement. | |
| 3782 822463 10005 | Amex | Immediate Success | 200 | American Express 15-digit card number. Emulates 4-digit CID validation. Advice: Fulfill order, record American Express processor reference. | |
| 4000 0000 0000 0341 | Visa | 3DS Challenge Required | 200authentication_required | Requires customer strong authentication (SCA / 3DS 2.2 challenge). Returns redirect / iframe action. Advice: Invoke stripe.confirmCardPayment() or display challenge modal for OTP / biometric confirmation. | |
| 4000 0000 0000 0317 | Visa | 3DS Frictionless Approval | 200 | SCA exempt or frictionless authorization. Issuer performs silent risk analysis without prompting user. Advice: Payment succeeds immediately with 3DS cryptographic liability shift cryptogram. | |
| 4000 0000 0000 0002 | Visa | Card Declined | 402card_declined | General hard decline from issuing bank without specific reason disclosed. Advice: Prompt customer to contact their card issuer or choose an alternate payment instrument. | |
| 4000 0000 0000 0127 | Visa | Insufficient Funds | 402insufficient_funds | Cardholder account balance or available credit line is insufficient for the requested amount. Advice: Prompt user to retry with an alternate card or top up account balance. | |
| 4000 0000 0000 0069 | Visa | Expired Card | 402expired_card | Card has passed its valid expiration date. Advice: Highlight expiration date field in checkout UI and request updated card details. | |
| 4000 0000 0000 0119 | Visa | Incorrect Security Code | 402incorrect_cvc | Security code (CVV/CVC) failed issuer cryptographic check. Advice: Clear CVC input field and prompt customer to re-enter 3-digit or 4-digit code. | |
| 4000 0000 0000 0128 | Visa | AVS Postal Mismatch | 402postal_code_invalid | Address Verification System (AVS) rejected the zip/postal code provided with billing address. Advice: Request customer verify postal code matches credit card monthly statement address. | |
| 4000 0000 0000 0005 | Visa | High Fraud Risk Blocked | 402fraudulent | Machine learning fraud detection rule blocked charge due to velocity, proxy, or stolen telemetry. Advice: Do not automatically retry. Flag customer account for compliance/risk review. | |
| 4000 0000 0000 0036 | Visa | Lost / Stolen Card | 402stolen_card | Card has been officially reported as lost or stolen by the primary account holder. Advice: Immediate reject. Halt order processing and do not reveal card status to suspicious agent. | |
| 4000 0000 0000 0013 | Visa | Velocity Rate Limit | 429velocity_limit_exceeded | Card has exceeded frequency limits for consecutive transactions in a short window. Advice: Implement exponential backoff. Suggest user wait 15 minutes before retrying. | |
| 4000 0000 0000 0110 | Visa | Issuer System Glitch | 500processing_error | Gateway connection dropped or card network interchange switch timed out. Advice: Safely retry request with identical Idempotency-Key header. |
In addition to magic card numbers, the engine evaluates field-level metadata in real time without requiring test card swapping.
Supply any exp_year prior to the current calendar year (or current year with a past month), and the engine returns expired_card automatically.
000Keep your normal success card (4242...) but pass cvc: "000". The gateway will simulate a security code mismatch (incorrect_cvc).
99999Pass postal code "99999" in billing address details to simulate an Address Verification System (AVS) mismatch (postal_code_invalid).
How to structure frontend and backend exception handling for decline codes in your application.