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Why doesn't Stripe's test credit number always work on the donation form?

Please only use Stripe's test credit card numbers in Fundraise Up test mode.

Stripe's test credit card number can not be used on a Fundraise Up live form, so please ensure you are attempting to use test credentials only when checkout is in test mode.
You can tell when Fundraise Up's checkout modal is in test mode because there will be a banner on the site saying it is in test mode, and because if you go to make a donation with a credit card, there will be a tooltip with the test card information to the right of the credit card number field.
Please review the document on Using Test Mode to make test donations for more information on making test transactions.