Save a customer's payment method when they use it for a payment
Learn how to save your customer's payment details for future purchases when they make a payment.
Use the Checkout Sessions API to save payment details during a purchase. This is useful for situations such as:
- Charging a customer for an e-commerce order and storing the payment details for future purchases.
- Initiating the first payment in a series of recurring payments.
- Charging a deposit and storing the payment details to charge the full amount later.
Compliance
You’re responsible for your compliance with all applicable laws, regulations, and network rules when saving a customer’s payment details. These requirements generally apply if you want to save your customer’s payment method for future use, such as displaying a customer’s payment method to them in the checkout flow for a future purchase or charging them when they’re not actively using your website or app. Add terms to your website or app that state how you plan to save payment method details and allow customers to opt in.
When you save a payment method, you can only use it for the specific usage you have included in your terms. To charge a payment method when a customer is offline and save it as an option for future purchases, make sure that you explicitly collect consent from the customer for this specific use. For example, include a “Save my payment method for future use” checkbox to collect consent.
To charge a customer when they’re offline, make sure your terms include the following:
- The customer’s agreement to your initiating a payment or a series of payments on their behalf for specified transactions.
- The anticipated timing and frequency of payments (for example, if the charges are for scheduled installments, subscription payments, or unscheduled top-ups).
- How you determine the payment amount.
- Your cancellation policy, if the payment method is for a subscription service.
Make sure you keep a record of your customer’s written agreement to these terms.
Note
When using Elements with the Checkout Sessions API, only cards are supported for saved payment methods. You can’t save other payment methods, such as bank accounts.
Set up StripeServer-side
First, register for a Stripe account.
Use our official libraries to access the Stripe API from your application:
Create a CustomerServer-side
To set a card up for future payments, you must attach it to a Customer. Create a Customer object when your customer creates an account with your business. Customer objects allow for reusing payment methods and tracking across multiple payments.
Successful creation returns the Customer object. You can inspect the object for the customer id
and store the value in your database for later retrieval.
You can find these customers in the Customers page in the Dashboard.
Enable saved payment methods
Caution
Global privacy laws are complicated and nuanced. Before implementing the ability to store customer payment method details, work with your legal team to make sure that it complies with your privacy and compliance framework.
To allow a customer to save their payment method for future use, specify the saved_payment_method_options.payment_method_save parameter when creating the Checkout Session.
Saving a payment method requires a Customer. Pass an existing customer or create a new one by setting customer_creation to always
on the Checkout Session.
After you create the Checkout Session, use the client secret returned in the response to build your checkout page.
Reuse a previously saved payment method
Each saved payment method is linked to a Customer object. Before creating the Checkout Session, authenticate your customer, and pass the corresponding Customer ID to the Checkout Session.
The Payment Element automatically redisplays previously saved payment methods for your customer to use during checkout.
OptionalBuild a saved payment method UI
Collect consent
Caution
Global privacy laws are complicated and nuanced. Before implementing the ability to store customer payment method details, work with your legal team to make sure that it complies with your privacy and compliance framework.
In most cases, you must collect a customer’s consent before you save their payment method details. The following example shows how to obtain consent using a checkbox.
When you call confirm, you can indicate to Stripe that your customer has provided consent by passing the savePaymentMethod
parameter. When you save a customer’s payment details, you’re responsible for complying with all applicable laws, regulations, and network rules.
Render saved payment methods
Use the savedPaymentMethods array on the front end to render the customer’s available payment methods.
Note
The savedPaymentMethods
array includes only the payment methods that have allow_redisplay set to always
. Follow the steps for collecting consent from your customer and make sure to properly set the allow_
parameter.
Confirm with a saved payment method
When your customer selects a saved payment method and is ready to complete checkout, call confirm and pass in the paymentMethod ID.