Don’t add the script in the head, instead, add it right before you close the body.
<html lang= "en">
<head>
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>test</title>
</head>
<body>
<form action="/charge" method="post" id="payment-form">
<div class="form-row">
<label for="card-element">
Credit or debit card
</label>
<div id="card-element">
<!-- a Stripe Element will be inserted here. -->
</div>
<!-- Used to display form errors -->
<div id="card-errors"></div>
</div>
<button>Submit Payment</button>
</form>
<script src="https://js.stripe.com/v3/"></script>
</body>
</html>
Putting your script at the bottom ensures that the DOM is rendered prior to executing the script, so that’ll do the trick!