# Adds support for specifying card-on-file usage when saving or charging cards

## What’s new

Adds the following [payment_method_options.card](https://docs.stripe.com/api/payment_intents/object.md?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card) parameters:

- [setup_credential_usage](https://docs.stripe.com/api/payment_intents/object.md?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card-setup_credential_usage): Declare how you intend to use a card when saving it with a [SetupIntent](https://docs.stripe.com/api/setup_intents.md?api-version=2026-10-28.endive) or a [PaymentIntent](https://docs.stripe.com/api/payment_intents.md?api-version=2026-10-28.endive) that sets [setup_future_usage](https://docs.stripe.com/api/payment_intents/create.md?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card-setup_future_usage).
- [stored_credential_usage](https://docs.stripe.com/api/payment_intents/object.md?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card-stored_credential_usage): Declare the usage type when charging a saved card off-session. The value is also returned on the resulting [Charge](https://docs.stripe.com/api/charges/object.md?api-version=2026-10-28.endive#charge_object-payment_method_details-card-stored_credential_usage).

Learn how to [save a card and charge it later](https://docs.stripe.com/payments/cards/save-and-reuse.md).

## Impact

Card networks require businesses that store a customer’s card for future transactions to identify how they intend to use it. Use the two card payment method options to declare the usage type when saving or charging a card.

Stripe uses this information to determine how to represent the transaction to card networks and support network compliance. Existing integrations don’t require changes.

## Changes

#### REST API

| Parameters | Change | Resources or endpoints |
| --- | --- | --- |
| `setup_credential_usage`, `stored_credential_usage` | Added | [Charge.payment_method_details.card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent#confirm.payment_method_options.card](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntent#create.payment_method_options.card](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntent#update.payment_method_options.card](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card), [PaymentIntent.payment_method_options.card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card) |
| `setup_credential_usage` | Added | [SetupIntent#confirm.payment_method_options.card](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntent#create.payment_method_options.card](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntent#update.payment_method_options.card](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card), [SetupIntent.payment_method_options.card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card) |
| `stored_credential_usage` | Added | [PaymentAttemptRecord.payment_method_details.card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.payment_method_details.card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### Ruby

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `setup_credential_usage`, `stored_credential_usage` | Added | [Charge::PaymentMethodDetail::Card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent::PaymentMethodOption::Card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentConfirmParams::PaymentMethodOption::Card](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntentCreateParams::PaymentMethodOption::Card](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntentUpdateParams::PaymentMethodOption::Card](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card) |
| `setup_credential_usage` | Added | [SetupIntent::PaymentMethodOption::Card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentConfirmParams::PaymentMethodOption::Card](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntentCreateParams::PaymentMethodOption::Card](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntentUpdateParams::PaymentMethodOption::Card](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card) |
| `stored_credential_usage` | Added | [PaymentAttemptRecord::PaymentMethodDetail::Card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord::PaymentMethodDetail::Card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### Python

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `setup_credential_usage`, `stored_credential_usage` | Added | [Charge.PaymentMethodDetail.Card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent.PaymentMethodOption.Card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentConfirmParamsPaymentMethodOptionCard](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntentCreateParamsPaymentMethodOptionCard](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntentModifyParamsPaymentMethodOptionCard](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card) |
| `setup_credential_usage` | Added | [SetupIntent.PaymentMethodOption.Card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentConfirmParamsPaymentMethodOptionCard](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntentCreateParamsPaymentMethodOptionCard](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntentModifyParamsPaymentMethodOptionCard](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card) |
| `stored_credential_usage` | Added | [PaymentAttemptRecord.PaymentMethodDetail.Card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.PaymentMethodDetail.Card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### PHP

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `setup_credential_usage`, `stored_credential_usage` | Added | [Charge.payment_method_details.card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent.confirm().$params.payment_method_option.card](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntent.create().$params.payment_method_option.card](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntent.payment_method_options.card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntent.update().$params.payment_method_option.card](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card) |
| `setup_credential_usage` | Added | [SetupIntent.confirm().$params.payment_method_option.card](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntent.create().$params.payment_method_option.card](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntent.payment_method_options.card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntent.update().$params.payment_method_option.card](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card) |
| `stored_credential_usage` | Added | [PaymentAttemptRecord.payment_method_details.card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.payment_method_details.card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### Java

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `setupCredentialUsage`, `storedCredentialUsage` | Added | [Charge.payment_method_details.card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent.payment_method_options.card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentConfirmParams.payment_method_options.card](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntentCreateParams.payment_method_options.card](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntentUpdateParams.payment_method_options.card](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card) |
| `setupCredentialUsage` | Added | [SetupIntent.payment_method_options.card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentConfirmParams.payment_method_options.card](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntentCreateParams.payment_method_options.card](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntentUpdateParams.payment_method_options.card](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card) |
| `storedCredentialUsage` | Added | [PaymentAttemptRecord.payment_method_details.card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.payment_method_details.card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### Node.js

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `setup_credential_usage`, `stored_credential_usage` | Added | [Charge.payment_method_details.card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent.payment_method_options.card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentConfirmParams.payment_method_options.card](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntentCreateParams.payment_method_options.card](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card), [PaymentIntentUpdateParams.payment_method_options.card](/api/payment_intents/update?api-version=2026-10-28.endive#update_payment_intent-payment_method_options-card) |
| `setup_credential_usage` | Added | [SetupIntent.payment_method_options.card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentConfirmParams.payment_method_options.card](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntentCreateParams.payment_method_options.card](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card), [SetupIntentUpdateParams.payment_method_options.card](/api/setup_intents/update?api-version=2026-10-28.endive#update_setup_intent-payment_method_options-card) |
| `stored_credential_usage` | Added | [PaymentAttemptRecord.payment_method_details.card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.payment_method_details.card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### Go

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `SetupCredentialUsage`, `StoredCredentialUsage` | Added | [ChargePaymentMethodDetailsCard](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntentConfirmPaymentMethodOptionsCardParams](/api/payment_intents/confirm?api-version=2026-10-28.endive#confirm_payment_intent-payment_method_options-card), [PaymentIntentPaymentMethodOptionsCard](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentPaymentMethodOptionsCardParams](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card) |
| `SetupCredentialUsage` | Added | [SetupIntentConfirmPaymentMethodOptionsCardParams](/api/setup_intents/confirm?api-version=2026-10-28.endive#confirm_setup_intent-payment_method_options-card), [SetupIntentPaymentMethodOptionsCard](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentPaymentMethodOptionsCardParams](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card) |
| `StoredCredentialUsage` | Added | [PaymentAttemptRecordPaymentMethodDetailsCard](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecordPaymentMethodDetailsCard](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

#### .NET

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `SetupCredentialUsage`, `StoredCredentialUsage` | Added | [Charge.PaymentMethodDetails.Card](/api/charges/object?api-version=2026-10-28.endive#charge_object-payment_method_details-card), [PaymentIntent.PaymentMethodOptions.Card](/api/payment_intents/object?api-version=2026-10-28.endive#payment_intent_object-payment_method_options-card), [PaymentIntentPaymentMethodOptionsCardOptions](/api/payment_intents/create?api-version=2026-10-28.endive#create_payment_intent-payment_method_options-card) |
| `SetupCredentialUsage` | Added | [SetupIntent.PaymentMethodOptions.Card](/api/setup_intents/object?api-version=2026-10-28.endive#setup_intent_object-payment_method_options-card), [SetupIntentPaymentMethodOptionsCardOptions](/api/setup_intents/create?api-version=2026-10-28.endive#create_setup_intent-payment_method_options-card) |
| `StoredCredentialUsage` | Added | [PaymentAttemptRecord.PaymentMethodDetails.Card](/api/payment-attempt-record/object?api-version=2026-10-28.endive#payment_attempt_record_object-payment_method_details-card), [PaymentRecord.PaymentMethodDetails.Card](/api/payment-record/object?api-version=2026-10-28.endive#payment_record_object-payment_method_details-card) |

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-10-28.endive`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

## Related changes

- [Adds payment intent data configuration when updating Checkout Sessions](https://docs.stripe.com/changelog/endive/2026-10-28/adds-payment-intent-data-configuration-when-updating-checkout-sessions.md)
- [Adds Open USD (OUSD) as a supported token currency for crypto payments](https://docs.stripe.com/changelog/endive/2026-10-28/ousd-token-currency.md)
- [Adds support for requesting Scalapay Payment Links](https://docs.stripe.com/changelog/endive/2026-10-28/scalapay-payment-method-support-payment-links.md)
- [Adds the evidence submission method property to Disputes](https://docs.stripe.com/changelog/endive/2026-10-28/evidence-submission-method-property-disputes.md)
- [Adds the ability to specify the intended submission method for Disputes](https://docs.stripe.com/changelog/endive/2026-10-28/adds-intended-submission-method-for-disputes.md)
- [Adds invoice settings parameters for Checkout Sessions and Payment Links subscriptions](https://docs.stripe.com/changelog/endive/2026-10-28/invoice-settings-parameters-checkout-sessions-payment-links-subscriptions.md)
- [Adds support for submitting evidence to appeal dispute decisions](https://docs.stripe.com/changelog/endive/2026-10-28/evidence-submission-appeal-dispute-decisions.md)
- [Adds refund reference tracking for Klarna, PayPal, and Afterpay Clearpay](https://docs.stripe.com/changelog/endive/2026-10-28/refund-reference-klarna-paypal-afterpay.md)
- [Adds RTP and FedNow as US bank transfer network types for cash balance transactions](https://docs.stripe.com/changelog/endive/2026-10-28/rtp-fednow-support-us-bank-transfer-network-types.md)
- [Adds webhook events and error messages for the Standalone 3DS API](https://docs.stripe.com/changelog/endive/2026-10-28/standalone-3ds-error-messages-and-webhook-events.md)
- [Adds validation for Smart Disputes availability when submitting a dispute](https://docs.stripe.com/changelog/endive/2026-10-28/smart-disputes-availability-validation.md)