Stripe

Cards
Digital Wallets
Bank Transfer
Direct Debit
Buy Now Pay Later

Stripe is a payment provider used by businesses to accept and manage online payments across cards and supported local payment methods.

Struggling with your approval ratio for this payment provider?

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Published: January 21, 2026
Last updated: May 5, 2026

2 min

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Stripe Company Overview

Payment Processor

Official Website

https://stripe.com

LinkedIn Page

Stripe

Foundation

2010

Company Type

private

Employees

10,000+

Location

USA

Channel

OnlineIn person

For developers

Status page Stack Overflow

Features

Card and local payment method acceptance

Accept major card brands and selected local payment methods depending on your region and account. Useful for ecommerce, subscriptions, and platform use cases.

Authorization and capture controls

Supports common authorization flows and capture timing options. Helps align payment collection with fulfillment and service delivery.

Optimization for authorization success

Includes tools and data signals that can help monitor approval rates and investigate card declines. Provides decline insights to support troubleshooting with issuers and customers.

Authentication and SCA support

Offers support for 3D Secure and region-specific Strong Customer Authentication requirements. Helps reduce friction by applying authentication where needed.

Security and compliance features

Provides tokenization and security controls designed to help reduce PCI scope when used as intended. Includes risk and fraud tooling options depending on your setup.

Disputes and chargeback handling

Centralized dispute intake, evidence submission, and tracking. Helps teams manage chargebacks and representments with consistent workflows.

Reliability and operational tooling

Provides dashboards, logs, and webhooks for payment monitoring and incident response. Supports reporting and reconciliation for finance and ops teams.

Tip from SmartRetry For card declines, segment results by decline code, issuer country, and card type before making changes; then A/B test adjustments (e.g., retries or 3DS settings) on a small traffic slice.

Currencies

Processing currenciesUSD, EUR, GBP, JPY, AUD, CAD, CHF, CNY, SEK, NZD, MXN, SGD, HKD, NOK, KRW, INR

Available in

Available countries

Global

FAQ

Statuses

Statuses — All
Code	Description	Level	Frequency	Resolution
PaymentIntent Status
requires_payment_method	Requires Payment Method The PaymentIntent has been created but no payment method has been attached yet, or the previous payment attempt failed and a new payment method is needed. The merchant/developer must collect and attach a payment method before proceeding.	Processing	Common	T0
requires_confirmation	Requires Confirmation A payment method has been attached to the PaymentIntent but it has not yet been confirmed. The server must explicitly call the confirm endpoint to initiate the payment attempt. Common in manual confirmation_method flows.	Processing	Occasional	T0
requires_action	Requires Action The payment requires additional customer action to proceed, such as 3D Secure authentication, a bank redirect, or providing a one-time code. The next_action field on the PaymentIntent describes what the customer must do. Merchants must handle this client-side.	Processing, Info	Common	T0
processing	Processing The payment has been initiated and Stripe is waiting for confirmation from the payment method provider. Common for asynchronous payment methods like ACH debits or bank transfers, which can take days to settle. For cards, this state is typically very brief.	Processing	Occasional	T0
requires_capture	Requires Capture The payment has been authorized and funds are on hold, but have not yet been captured. This occurs when capture_method is set to 'manual'. The merchant must explicitly call the capture endpoint. Uncaptured PaymentIntents auto-cancel after 7 days by default.	Processing, Info	Occasional	T0
succeeded	Succeeded The payment has been successfully completed and funds are secured in the merchant's Stripe account. This is a terminal success state. The merchant can now safely fulfill the order. No further action is needed on the PaymentIntent.	Approved	Common	T0
canceled	Canceled The PaymentIntent has been canceled and no further charges will be made. This is a terminal state. Cancellation can be triggered by the merchant (duplicate, fraudulent, requested_by_customer, abandoned) or automatically by Stripe (failed_invoice, void_invoice, automatic, expired). Any held funds are released.	Error, Info	Occasional	T3
Charge Status
succeeded	Charge Succeeded The Charge object status indicating the charge was successfully processed and funds were captured from the customer's payment method. The merchant can confirm payment was collected.	Approved	Common	T0
pending	Charge Pending The Charge object status indicating the charge has been submitted but awaiting final confirmation from the bank or payment network. Common with ACH/bank debit methods that require days to clear. The charge may still fail.	Processing	Occasional	T0
failed	Charge Failed The Charge object status indicating the charge attempt was declined or failed. Common causes include insufficient funds, invalid card details, or issuer decline. The merchant should prompt the customer to try a different payment method.	Error	Common	T3
Refund Status
pending	Refund Pending The refund has been created and submitted but has not yet been confirmed by the card network or bank. Refunds typically appear on the customer's statement within 5-10 business days. The merchant should not re-issue the refund while in this state.	Processing	Common	T0
succeeded	Refund Succeeded The refund has been successfully processed and the funds have been returned to the customer's original payment method. This is the terminal success state for a refund.	Approved	Common	T0
failed	Refund Failed The refund attempt failed. Possible failure reasons include: lost_or_stolen_card, expired_or_canceled_card, charge_for_pending_refund_disputed, insufficient_funds, declined, merchant_request, or unknown. Merchants should check the failure_reason field and may need to refund via alternative means.	Error	Occasional	T1
requires_action	Refund Requires Action The refund requires additional customer action before it can be processed. This occurs for payment methods without native refund support (e.g., Konbini, PromptPay), where Stripe must collect bank account details from the customer via email. The merchant should ensure the customer receives and acts on the instructions email.	Processing, Info	Rare	T0
canceled	Refund Canceled The refund was canceled before it reached the customer. Only refunds in requires_action state (awaiting customer banking info) or certain card refunds within a short window can be canceled. Treated as a refund failure; failure_reason and failure_balance_transaction are populated.	Error, Info	Rare	T1
Refund Failure Reason
lost_or_stolen_card	Lost or Stolen Card The refund could not be completed because the card was reported lost or stolen. Stripe doesn't distinguish lost vs. stolen in this field.	Error	Rare	T3
expired_or_canceled_card	Expired or Canceled Card The refund could not be completed because the card has expired or been canceled.	Error	Occasional	T3
charge_for_pending_refund_disputed	Charge Disputed The refund could not be completed because the underlying charge is under dispute.	Error	Rare	T1
insufficient_funds	Insufficient Funds The refund could not be completed due to insufficient funds in the merchant's Stripe balance, not the payer's account.	Error	Occasional	T0
declined	Declined The refund was declined by the card network or issuing bank.	Error, Declined	Occasional	T2
merchant_request	Merchant Request The refund failed at the merchant's own request (e.g., cancellation).	Error	Rare	T0
unknown	Unknown The refund failed for an unspecified reason.	Error	Rare	T1
SetupIntent Status
requires_payment_method	SetupIntent Requires Payment Method The SetupIntent has been created but no payment method is attached, or the previous setup attempt failed. The customer must provide their payment credentials before the setup can proceed.	Processing	Common	T0
requires_confirmation	SetupIntent Requires Confirmation A payment method has been attached to the SetupIntent but it has not yet been confirmed. The server must call the confirm endpoint to proceed with saving the payment method.	Processing	Occasional	T0
requires_action	SetupIntent Requires Action The payment method setup requires additional customer action, such as 3D Secure authentication or a bank redirect. The next_action field specifies what the customer needs to do. This is common for cards in SCA-regulated regions.	Processing, Info	Occasional	T0
processing	SetupIntent Processing The SetupIntent has been confirmed and Stripe is processing the setup with the payment method provider. This state is brief for most payment methods.	Processing	Rare	T0
canceled	SetupIntent Canceled The SetupIntent has been canceled. Setup is abandoned and any further operations on it will fail. Can only be canceled when in requires_payment_method, requires_confirmation, or requires_action states. Cannot be reversed.	Error, Info	Occasional	T3
succeeded	SetupIntent Succeeded The payment method has been successfully saved and is ready for future off-session or on-session payments. This is the terminal success state of the SetupIntent lifecycle.	Approved	Common	T0
Dispute Status
warning_needs_response	Warning — Needs Response An early inquiry (pre-dispute warning) that requires a response. Submitting evidence at this stage can prevent it from escalating into a formal dispute.	Processing, Info	Occasional	T0
warning_under_review	Warning — Under Review An early inquiry under review after evidence submission. Awaiting the outcome; no further action is typically needed until the review completes.	Processing, Info	Rare	T0
warning_closed	Warning — Closed An inquiry that closed without becoming a formal dispute. No chargeback resulted; no further action required.	Info	Occasional	T0
needs_response	Needs Response A formal dispute that requires a response. The merchant must submit evidence before the due date or the dispute is automatically lost.	Processing, Error	Common	T1
under_review	Under Review A dispute under review by the card network after evidence submission. Awaiting the final decision.	Processing, Info	Occasional	T0
won	Won The dispute was resolved in the merchant's favor. Funds are returned to the merchant. Terminal state.	Approved	Occasional	T0
lost	Lost The dispute was resolved in the customer's favor. The disputed amount and any fees are not returned. Terminal state.	Error	Occasional	T3
prevented	Prevented The dispute was prevented from becoming a formal chargeback (e.g. resolved via an early-warning or fraud-prevention program). Terminal state.	Approved, Info	Rare	T0
Payout Status
pending	Payout Pending The payout has been created but not yet submitted to the bank. It remains pending until Stripe submits it to the destination bank account.	Processing	Common	T0
in_transit	Payout In Transit The payout has been submitted to the destination bank and is on its way. Funds have left Stripe but have not yet arrived in the bank account.	Processing	Common	T0
paid	Payout Paid The payout succeeded and funds were credited to the destination bank account. Terminal success state. Note: some payouts that ultimately fail may briefly show as paid before changing to failed.	Approved	Common	T0
failed	Payout Failed The payout failed to reach the destination bank account. Inspect failure_code / failure_message for the reason and verify the bank account details.	Error	Occasional	T1
canceled	Payout Canceled The payout was canceled (typically within 5 business days of creation, before it settled). Funds return to the available balance.	Info	Occasional	T0
Mandate Status
active	Mandate Active The mandate can be used to initiate a payment.	Approved	Common	T0
inactive	Mandate Inactive The mandate was rejected, revoked, or previously used, and may not be used to initiate future payments.	Error, Info	Occasional	T3
pending	Mandate Pending The mandate is newly created and is not yet active or inactive.	Processing	Occasional	T0
Error Code
account_closed	Account Closed The customer's bank account has been closed. A different payment method is required.	Error	Occasional	T3
account_holder_name_verification_failed	Account Holder Name Verification Failed The account holder name provided doesn't match the name on file for the bank account. Common with Bacs Direct Debits and Pay.UK payer name verification.	Error, Declined	Occasional	T0
account_invalid	Account Invalid The account ID provided in the Stripe-Account header is invalid. Verify the account ID in your requests.	Error	Occasional	T1
account_number_invalid	Account Number Invalid The bank account number is invalid, e.g. missing digits. Validate against country-specific bank account formats.	Error	Occasional	T0
acss_debit_session_incomplete	ACSS Debit Session Incomplete The ACSS debit session isn't ready to transition to complete status. Retry the request later.	Error	Rare	T0
amount_too_large	Amount Too Large The specified charge amount exceeds the maximum allowed. Use a lower amount and retry.	Error	Occasional	T0
amount_too_small	Amount Too Small The specified charge amount is below the minimum allowed for the currency. Use a higher amount and retry.	Error	Occasional	T0
anomalous_money_movement_request	Anomalous Money Movement Request The request was blocked because Stripe's anomaly detection system flagged it as anomalous. To retry, disable anomaly detection in the Dashboard under Settings > Developers > Manage API keys > Anomaly detection.	Error	Rare	T1
api_key_expired	API Key Expired The API key provided has expired. Obtain current keys from the Stripe Dashboard and update the integration.	Error	Rare	T1
authentication_required	Authentication Required The payment requires 3D Secure or other authentication to proceed. For off-session payments, notify the customer to return and authenticate.	Declined	Common	T0
balance_insufficient	Balance Insufficient The transfer or payout failed because the associated Stripe account doesn't have sufficient available balance.	Error	Occasional	T1
balance_invalid_parameter	Balance Invalid Parameter An invalid parameter was provided in the balance method object. Check API documentation for context.	Error	Rare	T0
bank_account_bad_routing_numbers	Bank Account Bad Routing Numbers The bank account is known to not support the specified currency.	Error	Rare	T0
bank_account_declined	Bank Account Declined The bank account can't be charged because it isn't verified yet or isn't supported.	Error, Declined	Occasional	T0
bank_account_exists	Bank Account Exists The bank account already exists on the specified Customer object. Use the existing bank account or attach it to a different customer.	Error	Occasional	T0
bank_account_restricted	Bank Account Restricted The customer's bank account can't be used with this payment method.	Error, Declined	Rare	T2
bank_account_verification_failed	Bank Account Verification Failed The bank account can't be verified because the microdeposit amounts don't match or too many verification attempts have failed.	Error	Occasional	T0
bank_account_unusable	Bank Account Unusable The bank account can't be used at all and a different bank account must be provided.	Error	Rare	T3
bank_account_unverified	Bank Account Unverified A Connect platform is attempting to share an unverified bank account with a connected account.	Error	Rare	T1
billing_invalid_mandate	Billing Invalid Mandate A Subscription or Invoice attempted payment on a PaymentMethod without an active mandate. Confirm the payment method on-session first.	Error	Occasional	T0
card_decline_rate_limit_exceeded	Card Decline Rate Limit Exceeded This card has been declined too many times. The card can be retried after 24 hours. Contact the customer to verify their card details.	Error	Occasional	T2
card_declined	Card Declined The card has been declined. Inspect the decline_code field on the error for the specific issuer reason.	Declined	Common	T2
capture_charge_authorization_expired	Capture Authorization Expired The charge can't be captured because the authorization has expired. A new authorization is needed.	Error	Occasional	T0
capture_unauthorized_payment	Capture Unauthorized Payment The charge being captured has not been authorized for payment capture.	Error	Rare	T0
charge_already_captured	Charge Already Captured The charge has already been captured. Update the request to use an uncaptured charge ID.	Error	Occasional	T0
charge_already_refunded	Charge Already Refunded The charge has already been fully refunded. Use a different charge ID that hasn't been refunded.	Error	Occasional	T0
charge_disputed	Charge Disputed The charge has been charged back (disputed). Handle through the Stripe Disputes flow rather than refunding.	Error	Occasional	T1
charge_exceeds_source_limit	Charge Exceeds Source Limit This charge would exceed the rolling-window processing limit for this source type. Retry later or contact Stripe for a higher limit.	Error	Rare	T1
charge_exceeds_transaction_limit	Charge Exceeds Transaction Limit This charge would exceed the processing limit for this payment type. Contact Stripe to request a higher limit.	Error	Rare	T1
charge_expired_for_capture	Charge Expired for Capture The auth-and-capture charge can't be captured because the authorization window (default 7 days) has elapsed.	Error	Occasional	T0
charge_invalid_parameter	Charge Invalid Parameter One or more parameters are not allowed for the given operation on the Charge object. Check the API reference.	Error	Occasional	T0
clearing_code_unsupported	Clearing Code Unsupported The clearing code provided isn't supported for this transaction.	Error	Rare	T0
country_code_invalid	Country Code Invalid The country code provided is not a valid ISO 3166-1 alpha-2 code.	Error	Occasional	T0
customer_max_payment_methods	Customer Max Payment Methods The customer has reached the maximum number of PaymentMethods. Detach some before adding new ones.	Error	Rare	T0
debit_not_authorized	Debit Not Authorized The customer notified their bank that this ACH or direct debit payment was unauthorized.	Declined	Occasional	T2
email_invalid	Email Invalid The email address is invalid or improperly formatted.	Error	Occasional	T0
expired_card	Expired Card The card has expired. The customer should use a different card or update their card details.	Declined	Common	T3
idempotency_key_in_use	Idempotency Key In Use The idempotency key is currently being used in another concurrent request. Avoid duplicate simultaneous requests.	Error	Occasional	T0
incorrect_address	Incorrect Address The billing address provided does not match the card issuer's records. Customer should re-enter the correct address.	Declined	Common	T0
incorrect_cvc	Incorrect CVC The CVC/CVV security code is incorrect. Customer should re-enter the correct CVC.	Declined	Common	T0
incorrect_number	Incorrect Number The card number is incorrect. Customer should retry with the correct card number.	Declined	Common	T0
incorrect_zip	Incorrect ZIP The postal/ZIP code is incorrect. Customer should retry with the correct billing postal code.	Declined	Common	T0
insufficient_funds	Insufficient Funds The customer's account or card doesn't have enough funds to complete the purchase.	Declined	Common	T3
intent_invalid_state	Intent Invalid State The PaymentIntent or SetupIntent is not in the required state to perform this operation.	Error	Occasional	T0
intent_verification_method_missing	Intent Verification Method Missing The intent doesn't have a verification method specified in its payment_method_options object. Set the verification method on the PaymentIntent or SetupIntent's payment_method_options and retry.	Error	Rare	T0
invalid_card_type	Invalid Card Type The card provided as an external account isn't supported for payouts. Use a non-prepaid debit card.	Error	Rare	T3
invalid_characters	Invalid Characters A field value contains characters that are unsupported for that field.	Error	Occasional	T0
invalid_charge_amount	Invalid Charge Amount The charge amount is not a positive integer in the smallest currency unit, or exceeds allowed min/max amounts.	Error	Occasional	T0
invalid_cvc	Invalid CVC The CVC security code is invalid. Customer should check their card and retry with the correct code.	Declined	Common	T0
invalid_expiry_month	Invalid Expiry Month The card's expiration month is invalid. Customer should verify and re-enter the correct expiration date.	Declined, Error	Occasional	T0
invalid_expiry_year	Invalid Expiry Year The card's expiration year is invalid. Customer should verify and re-enter the correct expiration date.	Declined, Error	Occasional	T0
invalid_mandate_reference_prefix_format	Invalid Mandate Reference Prefix Format The prefix used to generate the mandate reference is invalid.	Error	Rare	T0
invalid_number	Invalid Number The card number is invalid (fails Luhn check or wrong format). Customer should check and re-enter card details.	Declined, Error	Common	T0
invalid_source_usage	Invalid Source Usage The source can't be used because it's in the wrong state (e.g., pending, failed, or consumed). Check the source status before charging.	Error	Occasional	T0
livemode_mismatch	Livemode Mismatch Test and live mode API keys and objects are only usable within their respective modes. Don't mix test and live resources.	Error	Occasional	T1
lock_timeout	Lock Timeout The object can't be accessed because another API request is currently using it. Retry the request or serialize concurrent access.	Error	Occasional	T0
missing	Missing Source on Customer Both a customer ID and a source ID were provided but the source hasn't been saved to the customer. Save the card first.	Error	Occasional	T0
no_account	No Account The bank account couldn't be located. Verify the routing and account numbers.	Error, Declined	Occasional	T0
parameter_invalid_empty	Parameter Invalid Empty One or more required values weren't provided. Ensure all required parameters are included in the request.	Error	Common	T0
parameter_invalid_integer	Parameter Invalid Integer A parameter requires an integer but received a different type. Check the API reference for expected data types.	Error	Occasional	T0
parameter_invalid_string_blank	Parameter Invalid String Blank One or more values contain only whitespace. Provide non-whitespace string values.	Error	Occasional	T0
parameter_invalid_string_empty	Parameter Invalid String Empty One or more required string values are empty. Strings must contain at least one character.	Error	Common	T0
parameter_missing	Parameter Missing One or more required values are absent. Check the API documentation for required fields on the requested resource.	Error	Common	T0
parameter_unknown	Parameter Unknown The request contains unexpected parameters not recognized by the endpoint. Remove them and retry.	Error	Occasional	T0
parameters_exclusive	Parameters Exclusive Two or more mutually exclusive parameters were provided together. Only one may be used at a time.	Error	Occasional	T0
payment_intent_amount_reconfirmation_required	Payment Intent Amount Reconfirmation Required The total amount changed and must be shown to the customer and reconfirmed before proceeding.	Error	Occasional	T0
payment_intent_action_required	Payment Intent Action Required The payment method requires customer action but error_on_requires_action was set. Upgrade the integration to handle actions.	Error	Occasional	T0
payment_intent_authentication_failure	Payment Intent Authentication Failure The payment method failed authentication on this PaymentIntent. Provide a new payment method to retry.	Declined	Occasional	T0
payment_intent_automatic_tax_incomplete	Payment Intent Automatic Tax Incomplete Insufficient location information was provided to calculate taxes when automatic_tax is enabled.	Error	Occasional	T0
payment_intent_incompatible_payment_method	Payment Intent Incompatible Payment Method The PaymentIntent expected a payment method with different properties than what was provided.	Error	Occasional	T0
payment_intent_invalid_parameter	Payment Intent Invalid Parameter One or more parameters aren't allowed for the given operation on this PaymentIntent. Check the API reference.	Error	Occasional	T0
payment_intent_konbini_rejected_confirmation_number	Konbini Rejected Confirmation Number The konbini confirmation_number was rejected by the processing partner at PaymentIntent confirmation time.	Declined, Error	Rare	T0
payment_intent_mandate_invalid	Payment Intent Mandate Invalid The mandate provided is invalid and can't be used for this PaymentIntent.	Error	Rare	T0
payment_intent_payment_attempt_expired	Payment Intent Attempt Expired The latest payment attempt has expired. Check last_payment_error and provide a new payment method to retry.	Error	Occasional	T0
payment_intent_payment_attempt_failed	Payment Intent Attempt Failed The latest payment attempt failed. Inspect last_payment_error for details and provide a new payment method.	Error, Declined	Common	T2
payment_intent_unexpected_state	Payment Intent Unexpected State The PaymentIntent is in a state incompatible with the requested operation. Check the intent's status before proceeding.	Error	Occasional	T0
payment_method_bank_account_already_verified	Bank Account Already Verified This bank account has already been verified and doesn't need to go through verification again.	Info	Rare	T0
payment_method_bank_account_blocked	Bank Account Blocked The bank account has failed verification too many times and is blocked. Contact Stripe support to attempt re-use.	Error	Rare	T1
payment_method_billing_details_address_missing	Billing Details Address Missing The PaymentMethod's billing details is missing required address fields. Add the missing fields and retry.	Error	Occasional	T0
payment_method_currency_mismatch	Payment Method Currency Mismatch The currency specified doesn't match the currency of the payment method. A payment must be in the same currency as its payment method.	Error	Occasional	T0
payment_method_customer_decline	Payment Method Customer Decline The customer actively declined the payment (e.g., in a bank redirect flow). Provide a new payment method.	Declined	Occasional	T3
payment_method_invalid_parameter	Payment Method Invalid Parameter An invalid parameter was provided in the payment method object.	Error	Occasional	T0
payment_method_invalid_parameter_testmode	Payment Method Invalid Parameter Testmode The parameter provided for the payment method isn't allowed in test mode.	Error	Rare	T0
payment_method_microdeposit_failed	Microdeposit Failed Microdeposits failed to deposit into the customer's bank account. Check account, institution, and transit numbers.	Error	Occasional	T0
payment_method_microdeposit_processing_error	Microdeposit Processing Error Microdeposit transfers can't be sent right now. Retry later.	Error	Rare	T0
payment_method_microdeposit_verification_amounts_invalid	Microdeposit Verification Amounts Invalid Exactly two microdeposit amounts must be provided for verification.	Error	Occasional	T0
payment_method_microdeposit_verification_amounts_mismatch	Microdeposit Amounts Mismatch The amounts provided don't match the actual microdeposit amounts sent to the bank account.	Error	Occasional	T0
payment_method_microdeposit_verification_attempts_exceeded	Microdeposit Verification Attempts Exceeded The maximum number of allowed microdeposit verification attempts has been exceeded.	Error	Rare	T1
payment_method_microdeposit_verification_descriptor_code_mismatch	Microdeposit Descriptor Code Mismatch The descriptor code provided for verification doesn't match the code sent to the bank account.	Error	Occasional	T0
payment_method_microdeposit_verification_timeout	Microdeposit Verification Timeout The payment method was not verified with microdeposits within the required timeframe.	Error	Occasional	T1
payment_method_not_available	Payment Method Not Available The payment processor for this payment method is temporarily unavailable. Retry later or use a different payment method.	Error	Occasional	T0
payment_method_provider_decline	Payment Method Provider Decline The payment or setup attempt was declined by the issuer or customer. Check last_payment_error or last_setup_error and provide a new payment method.	Declined	Common	T2
payment_method_provider_timeout	Payment Method Provider Timeout The payment method failed due to a provider timeout. Check last_payment_error or last_setup_error and retry.	Error	Occasional	T0
payment_method_unactivated	Payment Method Unactivated The payment method hasn't been activated in the Stripe Dashboard. Activate it before using it in production.	Error	Rare	T1
payment_method_unexpected_state	Payment Method Unexpected State The payment method is in a state incompatible with this operation. Verify the payment method's state before proceeding.	Error	Occasional	T0
payment_method_unsupported_type	Payment Method Unsupported Type The API only supports payment methods of specific types. The provided type isn't supported for this operation.	Error	Occasional	T3
postal_code_invalid	Postal Code Invalid The postal code provided was incorrect. Customer should verify and re-enter the correct billing postal code.	Declined	Common	T0
processing_error	Processing Error An error occurred while processing the card. Retry later or use a different payment method.	Error	Occasional	T0
rate_limit	Rate Limit Too many API requests were made too quickly. Implement exponential backoff to reduce request rate.	Error	Occasional	T0
refer_to_customer	Refer to Customer The customer stopped the ACH/direct debit payment with their bank. Contact the customer to arrange an alternative payment.	Declined	Occasional	T2
refund_disputed_payment	Refund Disputed Payment A disputed payment can't be directly refunded. Manage it through the Stripe Disputes process.	Error	Occasional	T1
resource_already_exists	Resource Already Exists A resource with this user-specified ID (e.g., plan or coupon) already exists. Use a unique ID and retry.	Error	Occasional	T0
resource_missing	Resource Missing The provided ID is invalid or the resource doesn't exist. Verify the ID matches the correct resource type.	Error	Common	T0
return_intent_already_processed	Return Intent Already Processed The refund has already been processed and can't be confirmed again.	Error	Rare	T0
routing_number_invalid	Routing Number Invalid The bank routing number provided is invalid. Verify the routing number before retrying.	Error	Occasional	T0
secret_key_required	Secret Key Required A publishable key was used where a secret key is required. Use the correct secret key from the Stripe Dashboard.	Error	Occasional	T1
sepa_unsupported_account	SEPA Unsupported Account The Stripe account doesn't support SEPA payments. Enable SEPA in account settings.	Error	Rare	T1
setup_attempt_failed	Setup Attempt Failed The latest setup attempt for the SetupIntent failed. Check last_setup_error and provide a new payment method.	Error, Declined	Occasional	T0
setup_intent_authentication_failure	Setup Intent Authentication Failure The payment method failed authentication on this SetupIntent. Provide a new payment method.	Declined	Occasional	T0
setup_intent_invalid_parameter	Setup Intent Invalid Parameter One or more parameters aren't allowed for the given operation on this SetupIntent.	Error	Occasional	T0
setup_intent_mandate_invalid	Setup Intent Mandate Invalid The mandate provided is invalid and can't be used for this SetupIntent.	Error	Rare	T0
setup_intent_setup_attempt_expired	Setup Intent Attempt Expired The latest setup attempt has expired. Check last_setup_error and retry with a new payment method.	Error	Occasional	T0
setup_intent_unexpected_state	Setup Intent Unexpected State The SetupIntent is in a state incompatible with the requested operation.	Error	Occasional	T0
shipping_address_invalid	Shipping Address Invalid The shipping address can't be used to accurately calculate tax rates. Verify zip code, state, or province fields.	Error	Occasional	T0
state_unsupported	State Unsupported The state provided for a U.S. custom Connect account legal entity isn't supported. Applies to territories and associated states.	Error	Rare	T3
status_transition_invalid	Status Transition Invalid The requested status transition isn't valid for the resource's current state.	Error	Occasional	T0
testmode_charges_only	Testmode Charges Only The account is only enabled for test charges. Complete Stripe account onboarding in the Dashboard to process live payments.	Error	Occasional	T1
tls_version_unsupported	TLS Version Unsupported The integration is using an unsupported TLS version. Upgrade to TLS 1.2 or higher.	Error	Rare	T1
token_already_used	Token Already Used The token has already been used. Tokens are single-use; generate a new one before retrying.	Error	Occasional	T0
token_in_use	Token In Use The token is currently being used in another concurrent request. Avoid duplicate simultaneous requests.	Error	Occasional	T0
url_invalid	URL Invalid The URL provided is not valid. Check the format and ensure it includes the correct scheme.	Error	Occasional	T0
Decline Code
authentication_not_handled	Authentication Not Handled A retry was attempted without performing the required 3DS/SCA authentication after an authentication_required decline. Run the EMV 3DS or SCA flow before retrying.	Declined	Occasional	T0
approve_with_id	Approve With ID The payment can't be authorized. Retry; if still failing, the customer should contact their card issuer.	Declined	Rare	T2
call_issuer	Call Issuer The card was declined for an unknown reason. The customer must contact their card issuer for more information.	Declined	Occasional	T2
card_not_supported	Card Not Supported The card doesn't support this type of purchase. Customer should contact their issuer to confirm the card can be used for this purchase type.	Declined	Occasional	T3
card_velocity_exceeded	Card Velocity Exceeded The customer has exceeded the balance, credit limit, or transaction amount limit on their card. Customer should contact their issuer.	Declined	Common	T2
currency_not_supported	Currency Not Supported The card doesn't support the specified currency. Customer should check with their issuer whether the card supports this currency.	Declined	Occasional	T3
do_not_honor	Do Not Honor The card was declined for an unknown reason. Customer must contact their card issuer for more information.	Declined	Common	T2
do_not_try_again	Do Not Try Again (Deprecated) Deprecated decline code. The card was declined for an unknown reason. Customer must contact their card issuer.	Declined	Rare	T2
duplicate_transaction	Duplicate Transaction A transaction with identical amount and card information was submitted very recently. Check whether a recent payment already exists before retrying.	Declined, Error	Occasional	T0
fraudulent	Fraudulent Stripe suspects the payment is fraudulent. Do not reveal this reason to the customer; present as a generic decline instead.	Declined	Occasional	T3
generic_decline	Generic Decline The card was declined for an unknown reason, or Stripe Radar or Adaptive Acceptance blocked the payment. Customer should contact their card issuer.	Declined	Common	T2
incorrect_pin	Incorrect PIN The PIN entered is incorrect (card-present only). Customer should retry with the correct PIN.	Declined	Occasional	T0
invalid_account	Invalid Account The card or associated account is invalid. Customer should contact their card issuer.	Declined	Occasional	T2
invalid_amount	Invalid Amount The payment amount is invalid or exceeds the limit allowed. Customer should contact their issuer if the amount appears correct.	Declined, Error	Occasional	T0
invalid_pin	Invalid PIN The PIN entered is incorrect. Customer should retry with the correct PIN.	Declined	Occasional	T0
issuer_not_available	Issuer Not Available The card issuer couldn't be reached to authorize the payment. Retry; if still failing, the customer should contact their issuer.	Declined	Occasional	T0
lost_card	Lost Card The payment was declined because the card is reported lost. Do not reveal this to the customer; present as a generic decline.	Declined	Rare	T3
merchant_blacklist	Merchant Blocklist The payment matches a value on the Stripe user's block list. Do not reveal this reason; present as a generic decline.	Declined	Occasional	T1
new_account_information_available	New Account Information Available The card or associated account is invalid; new account information may be available from the issuer.	Declined	Rare	T2
no_action_taken	No Action Taken The card was declined for an unknown reason. Customer should contact their card issuer.	Declined	Rare	T2
not_permitted	Not Permitted The payment is not permitted by the issuer. Customer should contact their card issuer.	Declined	Occasional	T2
offline_pin_required	Offline PIN Required The card was declined because it requires an offline PIN. Customer should insert the card and enter a PIN.	Declined	Rare	T0
online_or_offline_pin_required	Online or Offline PIN Required The card requires a PIN. If the reader supports Online PIN, prompt for PIN in-place; otherwise the customer should insert the card and enter a PIN.	Declined	Rare	T0
pickup_card	Pickup Card The card can't be used for this payment, possibly reported lost or stolen. Customer should contact their issuer.	Declined	Rare	T3
pin_try_exceeded	PIN Try Exceeded The maximum number of PIN entry attempts has been exceeded. Customer must use another card or payment method.	Declined	Rare	T3
reenter_transaction	Reenter Transaction The payment couldn't be processed for an unknown issuer reason. Retry; if still failing, the customer should contact their issuer.	Declined	Rare	T0
restricted_card	Restricted Card The card can't be used for this payment, possibly reported lost or stolen. Customer should contact their issuer.	Declined	Rare	T2
revocation_of_all_authorizations	Revocation of All Authorizations The card was declined because all authorizations have been revoked. Customer should contact their issuer.	Declined	Rare	T2
revocation_of_authorization	Revocation of Authorization The card was declined because the specific authorization was revoked. Customer should contact their issuer.	Declined	Rare	T2
security_violation	Security Violation The card was declined due to a security violation flagged by the issuer. Customer should contact their issuer.	Declined	Rare	T2
service_not_allowed	Service Not Allowed The card was declined because the service is not allowed. Customer should contact their issuer.	Declined	Occasional	T2
stolen_card	Stolen Card The payment was declined because the card is reported stolen. Do not reveal this to the customer; present as a generic decline.	Declined	Rare	T3
stop_payment_order	Stop Payment Order The card was declined because a stop payment order is in effect. Customer should contact their issuer.	Declined	Rare	T2
testmode_decline	Test Mode Decline A Stripe test card number was used in a live mode request. Use a genuine card for live payments.	Declined, Error	Occasional	T1
transaction_not_allowed	Transaction Not Allowed The card was declined because this type of transaction is not permitted. Customer should contact their issuer.	Declined	Occasional	T2
try_again_later	Try Again Later (Deprecated) Deprecated. The card was declined for an unknown reason. Customer should retry; if still failing, contact their issuer.	Declined	Rare	T0
withdrawal_count_limit_exceeded	Withdrawal Count Limit Exceeded The customer has exceeded the withdrawal count or transaction limit on their card. Customer should use an alternative payment method.	Declined	Occasional	T2
mobile_device_authentication_required	Mobile Device Authentication Required The card was declined because the transaction requires mobile device authentication. Customer should retry by tapping their mobile device again.	Declined	Rare	T0
partner_generic_decline	LPM Partner Generic Decline The local payment method (LPM) provider declined the payment for an unspecified reason.	Declined	Occasional	T2
invalid_customer_account	LPM Invalid Customer Account The customer's account with the LPM provider can't be charged. Retry may succeed after the customer resolves the account issue.	Declined	Occasional	T2
payment_limit_exceeded	LPM Payment Limit Exceeded The order exceeds a limit on the customer's LPM account. Retry may succeed after the customer resolves the limit issue.	Declined	Occasional	T2
invalid_billing_agreement	LPM Invalid Billing Agreement The customer's billing agreement with the LPM provider is invalid. Retries won't succeed; a new payment method is required.	Declined	Rare	T3
invalid_business_account	LPM Invalid Business Account The merchant's LPM business account is deactivated. If reactivated, retries may succeed.	Declined	Rare	T1
partner_high_risk_customer	LPM Partner High Risk Customer The LPM provider has flagged this customer as high risk and declined the payment.	Declined	Rare	T3
compliance_violation	LPM Compliance Violation The payment violates the LPM provider's terms of service, program rules, or applicable laws. Retries won't succeed.	Declined	Rare	T3
payment_disputed	LPM Payment Disputed There is a dispute over the LPM payment. Retries may succeed if the dispute resolves in the merchant's favor.	Declined, Error	Rare	T1
invalid_authorization	LPM Invalid Authorization The payment didn't receive authorization from the LPM provider or authorization was revoked. Retries won't succeed.	Declined	Rare	T3
invalid_payment_information	LPM Invalid Payment Information The LPM payment has invalid information. Retries won't succeed; correct the payment details.	Declined	Rare	T0
partner_payment_not_found	LPM Partner Payment Not Found The LPM provider can't locate this payment.	Declined, Error	Rare	T1
expired_payment_information	LPM Expired Payment Information The underlying LPM payment instrument has expired. Retries may succeed after the customer updates their payment information.	Declined	Occasional	T3
recurring_not_supported_by_bank	Recurring Not Supported by Bank The customer's bank doesn't support recurring payments for this LPM payment method. Prompt the customer to select a bank that supports recurring payments.	Declined	Rare	T3
PaymentIntent Capture Method
automatic	Automatic Stripe automatically captures funds when the customer authorizes the payment.	-	-	-
automatic_async	Automatic Async Default. Stripe asynchronously captures funds when the customer authorizes the payment. Recommended over 'automatic' due to improved latency.	-	-	-
manual	Manual Places a hold on the funds when the customer authorizes the payment, but doesn't capture the funds until later. Not all payment methods support this.	-	-	-
PaymentIntent Confirmation Method
automatic	Automatic Default. The PaymentIntent can be confirmed using a publishable key. After next_actions are handled, no additional confirmation is required to complete the payment.	-	-	-
manual	Manual All payment attempts must be made using a secret key. The PaymentIntent returns to the 'requires_confirmation' state after handling next_actions, and requires the server to initiate each payment attempt with an explicit confirmation.	-	-	-
PaymentIntent Setup Future Usage
on_session	On Session Use when intending to accept on-session payments only, payments that occur while the customer is actively in the checkout flow and able to authenticate.	-	-	-
off_session	Off Session Use when intending to accept off-session payments, payments that occur without direct customer involvement using previously-collected payment information. Also covers on-session payments.	-	-	-
PaymentIntent Cancellation Reason
abandoned	Abandoned The PaymentIntent was abandoned by the merchant.	-	-	-
automatic	Automatic Stripe automatically canceled the PaymentIntent, for example after it went uncaptured too long.	-	-	-
duplicate	Duplicate The PaymentIntent was a duplicate of another payment attempt.	-	-	-
expired	Expired The PaymentIntent expired before it could be completed.	-	-	-
failed_invoice	Failed Invoice The associated invoice failed, causing the PaymentIntent to be canceled.	-	-	-
fraudulent	Fraudulent The PaymentIntent was flagged as fraudulent and canceled.	-	-	-
requested_by_customer	Requested By Customer The customer requested the payment be canceled.	-	-	-
void_invoice	Void Invoice The associated invoice was voided, causing the PaymentIntent to be canceled.	-	-	-
SetupIntent Cancellation Reason
abandoned	Abandoned The SetupIntent was abandoned by the merchant.	-	-	-
duplicate	Duplicate The SetupIntent was a duplicate of another setup attempt.	-	-	-
requested_by_customer	Requested By Customer The customer requested the setup be canceled.	-	-	-
Charge Outcome Type
authorized	Authorized The payment was authorized.	Approved	Common	T0
manual_review	Manual Review The payment is under manual review by Stripe.	Processing	Rare	T0
issuer_declined	Issuer Declined The payment was declined by the card issuer.	Declined	Common	T2
blocked	Blocked The payment was blocked by Stripe's risk checks (e.g. Radar).	Declined	Occasional	T3
invalid	Invalid The payment could not be authorized due to invalid data.	Error	Rare	T0
Payout Failure Code
account_closed	Account Closed The bank account has been closed.	Error	Occasional	T3
account_frozen	Account Frozen The bank account has been frozen.	Error	Rare	T3
bank_account_restricted	Bank Account Restricted The bank account has restrictions that prevent this payout.	Error	Rare	T2
bank_account_unusable	Bank Account Unusable The bank account details are invalid, for example the account number doesn't correspond to the specified bank.	Error	Occasional	T3
bank_ownership_changed	Bank Ownership Changed The destination bank account is no longer valid because its branch has changed ownership.	Error	Rare	T3
could_not_process	Could Not Process The bank could not process this payout.	Error	Occasional	T1
debit_not_authorized	Debit Not Authorized Debit transactions are not approved on the bank account.	Error, Declined	Rare	T2
declined	Declined The bank has declined this transfer, the merchant should contact the bank for more information.	Error, Declined	Occasional	T2
incorrect_account_holder_address	Incorrect Account Holder Address The account holder address does not match what the bank has on file.	Error	Rare	T0
incorrect_account_holder_name	Incorrect Account Holder Name The account holder name does not match what the bank has on file.	Error	Rare	T0
incorrect_account_holder_tax_id	Incorrect Account Holder Tax ID The tax ID provided does not match what the bank has on file.	Error	Rare	T0
incorrect_account_type	Incorrect Account Type Your Stripe account is not compatible with the bank account type.	Error	Rare	T1
insufficient_funds	Insufficient Funds The Stripe balance doesn't have sufficient funds to cover the payout.	Error	Occasional	T0
invalid_account_number	Invalid Account Number The bank account number failed validation.	Error	Occasional	T0
invalid_account_number_length	Invalid Account Number Length The bank account number has an incorrect length for its country.	Error	Rare	T0
invalid_currency	Invalid Currency The bank was unable to process this payout because of its currency, likely because the bank account cannot accept payments in that currency.	Error	Rare	T3
no_account	No Account The bank account details on file for this payout are probably incorrect, and no bank account could be located matching those details.	Error	Occasional	T0
unsupported_card	Unsupported Card The card is not supported for payouts.	Error	Rare	T3
Mandate Type
multi_use	Multi Use Represents permission given for multiple payments.	-	-	-
single_use	Single Use Represents a one-time permission given for a single payment.	-	-	-