diff --git a/spec/features/consumer/shopping/checkout_stripe_spec.rb b/spec/features/consumer/shopping/checkout_stripe_spec.rb
index 49c9c27e4a..09d0444029 100644
--- a/spec/features/consumer/shopping/checkout_stripe_spec.rb
+++ b/spec/features/consumer/shopping/checkout_stripe_spec.rb
@@ -89,37 +89,75 @@ feature "Check out with Stripe", js: true do
     }
     let!(:shipping_method) { create(:shipping_method) }
 
-    before do
-      stub_payment_intents_post_request order: order
-      stub_payment_intent_get_request
-      stub_hub_payment_methods_request
-      stub_payment_intent_capture_request order: order
-    end
-
     context "with guest checkout" do
-      it "completes checkout successfully" do
-        visit checkout_path
+      context "when the card is accepted" do
+        before do
+          stub_payment_intents_post_request order: order
+          stub_payment_intent_get_request
+          stub_hub_payment_methods_request
+          stub_successful_capture_request order: order
+        end
 
-        checkout_as_guest
+        it "completes checkout successfully" do
+          visit checkout_path
 
-        fill_out_form(
-          free_shipping.name,
-          stripe_sca_payment_method.name,
-          save_default_addresses: false
-        )
+          checkout_as_guest
 
-        expect(page).to have_css("input[name='cardnumber']")
+          fill_out_form(
+            free_shipping.name,
+            stripe_sca_payment_method.name,
+            save_default_addresses: false
+          )
 
-        fill_in 'Card number', with: '4242424242424242'
-        fill_in 'MM / YY', with: "01/#{DateTime.now.year + 1}"
-        fill_in 'CVC', with: '123'
+          expect(page).to have_css("input[name='cardnumber']")
 
-        place_order
+          fill_in 'Card number', with: '4242424242424242'
+          fill_in 'MM / YY', with: "01/#{DateTime.now.year + 1}"
+          fill_in 'CVC', with: '123'
 
-        expect(page).to have_content "Confirmed"
+          place_order
 
-        expect(order.reload.completed?).to eq true
-        expect(order.payments.first.state).to eq "completed"
+          expect(page).to have_content "Confirmed"
+
+          expect(order.reload.completed?).to eq true
+          expect(order.payments.first.state).to eq "completed"
+        end
+      end
+
+      context "when the card is rejected" do
+        let(:error_message) { "Card was declined: insufficient funds." }
+
+        before do
+          stub_payment_intents_post_request order: order
+          stub_payment_intent_get_request
+          stub_hub_payment_methods_request
+          stub_failed_capture_request order: order, response: { message: error_message }
+        end
+
+        it "shows an error message from the Stripe response" do
+          visit checkout_path
+
+          checkout_as_guest
+
+          fill_out_form(
+            free_shipping.name,
+            stripe_sca_payment_method.name,
+            save_default_addresses: false
+          )
+
+          expect(page).to have_css("input[name='cardnumber']")
+
+          fill_in 'Card number', with: '4242424242424242'
+          fill_in 'MM / YY', with: "01/#{DateTime.now.year + 1}"
+          fill_in 'CVC', with: '123'
+
+          place_order
+
+          expect(page).to have_content error_message
+
+          expect(order.reload.state).to eq "cart"
+          expect(order.payments.first.state).to eq "failed"
+        end
       end
     end
   end
diff --git a/spec/support/request/stripe_helper.rb b/spec/support/request/stripe_helper.rb
index 48463283d5..82b858a3da 100644
--- a/spec/support/request/stripe_helper.rb
+++ b/spec/support/request/stripe_helper.rb
@@ -26,11 +26,18 @@ module StripeHelper
       .to_return(hub_payment_method_response_mock(response))
   end
 
-  def stub_payment_intent_capture_request(order:, response: {})
+  def stub_successful_capture_request(order:, response: {})
     stub_request(:post, "https://api.stripe.com/v1/payment_intents/pi_123/capture")
       .with(body: { amount_to_capture: Spree::Money.new(order.total).cents },
             headers: { 'Stripe-Account' => 'abc123' })
-      .to_return(payment_intent_response_mock(response))
+      .to_return(payment_successful_capture_mock(response))
+  end
+
+  def stub_failed_capture_request(order:, response: {})
+    stub_request(:post, "https://api.stripe.com/v1/payment_intents/pi_123/capture")
+      .with(body: { amount_to_capture: Spree::Money.new(order.total).cents },
+            headers: { 'Stripe-Account' => 'abc123' })
+      .to_return(payment_failed_capture_mock(response))
   end
 
   private
@@ -45,13 +52,19 @@ module StripeHelper
                           charges: { data: [{ id: "ch_1234", amount: 2000 }] }) }
   end
 
-  def payment_intent_response_mock(options)
+  def payment_successful_capture_mock(options)
     { status: options[:code] || 200,
       body: JSON.generate(object: "payment_intent",
                           amount: 2000,
                           charges: { data: [{ id: "ch_1234", amount: 2000 }] }) }
   end
 
+  def payment_failed_capture_mock(options)
+    { status: options[:code] || 402,
+      body: JSON.generate(error: { message:
+                                     options[:message] || "payment-method-failure" }) }
+  end
+
   def hub_payment_method_response_mock(options)
     { status: options[:code] || 200,
       body: JSON.generate(id: "pm_456", customer: "cus_A123") }