Testnet: Card Payment — Full End-to-End Test with Stripe Test Mode

[0xdevcollins]

Summary

Complete a full card payment end-to-end using Stripe test mode. Validates the card session creation, Stripe webhook confirmation, and fiat → Stellar settlement flow.

Test Scenario

• Payer: Credit card (Stripe test card 4242 4242 4242 4242)
• Payment method: Card (Stripe Elements)
• Merchant settlement: USDC on Stellar
• No blockchain interaction from payer side

Steps to Validate

Setup

• STRIPE_SECRET_KEY (test mode) configured
• STRIPE_WEBHOOK_SECRET configured
• Stripe CLI running: stripe listen --forward-to localhost:3000/webhooks/stripe
• Stellar relay configured for converting fiat inbound to USDC

Payment Flow

1. Merchant creates payment via API
2. Checkout opens card form (Stripe Elements)
3. POST /v1/payments/:id/card-session creates Stripe PaymentIntent
4. Payer enters 4242 4242 4242 4242, expiry, CVV
5. Stripe confirms PaymentIntent
6. payment_intent.succeeded webhook fires to API
7. API updates payment to PROCESSING
8. Stellar path payment converts fiat → USDC → merchant settlement
9. Payment → COMPLETED
10. Merchant receives USDC, dashboard updates in real-time

Stripe Test Cards to Test

Card	Expected Result
4242 4242 4242 4242	Success
4000 0000 0000 9995	Insufficient funds — should show clear error
4000 0000 0000 0002	Card declined — should show clear error
4000 0025 0000 3155	3DS authentication required

Pass Criteria

• Successful card charges complete through to USDC settlement
• Declined cards show specific error messages (not generic)
• 3DS authentication flow works in checkout
• Webhook signature verified on every event
• No payment stays in PENDING forever after card charge