Stripe·Fixpaymentsintermediate

Stripe Payment Intent Failing

Quick Answer

Common causes: using test cards in live mode, wrong currency units, or missing return_url for 3D Secure. Start with "Check common causes" before making broader code changes.

You're in the right place if...

!Payment form shows error
!Card declined in test mode
!Payment intent returns error status

Why this happens

Common causes: using test cards in live mode, wrong currency units, or missing return_url for 3D Secure.

Fix

Check common causes

Match your error:

// 1. Using test card in live mode
// Fix: Use 4242 4242 4242 4242 in TEST mode only

// 2. Currency mismatch — amounts in smallest unit
amount: 2000, // = $20.00 (cents for USD)
currency: 'usd',

// 3. Missing return_url for 3D Secure cards
return_url: `${process.env.NEXT_PUBLIC_URL}/payment-complete`

Prevent this next time

Always test with Stripe's test card numbers. Amount is always in the smallest currency unit (cents for USD, pence for GBP).