4000 0000 0000 0341 and 4000 0000 0000 0002 are designed to simulate
real declines from a bank. We don't know for sure whether the card is
not good at all, or whether it may just be declined for this
particular transaction. For instance, you could be attempting to
charge $200 to a debit card, where the customer has a current balance
below $200 (or the same for credit limit). So, essentially as you
said "You can't temporarily charge on that card (no funds, for
example)".
4000 0000 0000 0119 this is meant to simulate the card networks
telling us that there was a processing error. When this happens, it
can be reasonable to retry the card at a later time. It does not
indicate a technical problem with Stripe (for that, we would return a
500), but may be indicative of a temporary technical issue with one of
our banking partners.
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