Migrate to the Payment Element with the Payment Intents API

View your payment methods settings and enable the payment methods you want to support. You need at least one payment method enabled to create a SetupIntent.

By default, Stripe enables cards and other prevalent payment methods that can help you reach more customers, but we recommend turning on additional payment methods that are relevant for your business and customers. See Payment method support for product and payment method support, and our pricing page for fees.

Next, update your client-side code to pass the mode and currency when you create the Elements instance. For use with a SetupIntent, set the mode to 'setup' and the currency to what you’ll charge your customer in the future.

const stripe =
    Stripe(
'pk_test_TYooMQauvdEDq54NiTphI7jx');
const elements = stripe.elements();

const stripe =
    Stripe(
'pk_test_TYooMQauvdEDq54NiTphI7jx');
const options = {
  mode: 'setup',
  currency: 'usd',
};
const elements = stripe.elements(options);

You can now replace the Card Element and individual payment methods Elements with the Payment Element. The Payment Element automatically adjusts to collect input fields based on the payment method and country (for example, full billing address collection for SEPA Direct Debit) so you don’t have to maintain customized input fields anymore.

The following example replaces CardElement with PaymentElement:

<form id="payment-form">
  <div id="card-element">
  </div>
  <div id="payment-element">
    <!-- Mount the Payment Element here -->
  </div>
  <button id="submit">Submit</button>
</form>

const cardElement = elements.create("card");
cardElement.mount("#card-element");
const paymentElement = elements.create("payment");
paymentElement.mount("#payment-element");

If your payment flow already always collects details like the customer’s name or email address, you can prevent the Payment Element from collecting this information by passing the fields option when creating the Payment Element. If you disable the collection of a certain field, you must pass that same data back with stripe.confirmSetup.

Because the Payment Element allows you to accept multiple payment methods, we recommend using automatic_payment_methods. When you enable it, Stripe evaluates the currency, payment method restrictions, and other parameters to determine the list of payment methods available for your customers. We prioritize payment methods that increase conversion and are most relevant to the currency and location of the customer.

Add the automatic_payment_methods attribute to the endpoint on your server that creates the SetupIntent.

Any of the additional elements options passed when creating the Elements group in the earlier step should also be passed when creating the SetupIntent.

curl https://api.stripe.com/v1/setup_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -H "Stripe-Version: 2025-08-27.basil" \
  -d "customer"="{{CUSTOMER_ID}}" \
  -d "automatic_payment_methods[enabled]"=true

Instead of using individual confirm methods like stripe.confirmCardSetup or stripe.confirmP24Setup, use stripe.confirmSetup to collect payment information and submit it to Stripe.

To confirm the SetupIntent, make the following updates to your submit handler:

• Call await elements.submit() to trigger form validation and collect any data required for wallets.
• Optional: Move SetupIntent creation to the submit handler. This way you only create the SetupIntent when the user is ready to submit their payment method details.
• Pass the elements instance you used to create the Payment Element and the clientSecret from the SetupIntent as parameters to stripe.confirmSetup.

When called, stripe.confirmSetup attempts to complete any required actions, such as authenticating your customers by displaying a 3DS dialog or redirecting them to a bank authorization page. When confirmation is complete, users are directed to the return_url you configured, which normally corresponds to a page on your website that provides the status of the SetupIntent.

If you want to keep the same flow for saving card payment details and only redirect for redirect-based payment methods, set redirect to if_required.

The following code examples replaces stripe.confirmCardSetup with stripe.confirmSetup:

// Create the SetupIntent and obtain clientSecret
const res = await fetch("/create-intent", {
  method: "POST",
  headers: {"Content-Type": "application/json"},
});

const {client_secret: clientSecret} = await res.json();

const handleSubmit = async (event) => {
  event.preventDefault();

  if (!stripe) {
    // Stripe.js hasn't yet loaded.
    // Make sure to disable form submission until Stripe.js has loaded.
    return;
  }

  setLoading(true);

  const {error} = await stripe.confirmCardSetup(clientSecret, {
    payment_method: {
      card: elements.getElement(CardElement)
    }
  });

  if (error) {
    handleError(error);
  }
};

const handleSubmit = async (event) => {
  event.preventDefault();

  if (!stripe) {
    // Stripe.js hasn't yet loaded.
    // Make sure to disable form submission until Stripe.js has loaded.
    return;
  }

  setLoading(true);

  // Trigger form validation and wallet collection
  const {error: submitError} = await elements.submit();
  if (submitError) {
    handleError(submitError);
    return;
  }

  // Create the SetupIntent and obtain clientSecret
  const res = await fetch("/create-intent", {
    method: "POST",
    headers: {"Content-Type": "application/json"},
  });

  const {client_secret: clientSecret} = await res.json();

  // Use the clientSecret and Elements instance to confirm the setup
  const {error} = await stripe.confirmSetup({
    elements,
    clientSecret,
    confirmParams: {
      return_url: 'https://example.com/order/123/complete',
    },
    // Uncomment below if you only want redirect for redirect-based payments
    // redirect: "if_required",
  });

  if (error) {
    handleError(error);
  }
};

Use test payment details and the test redirect page to verify your integration. Click the tabs below to view details for each payment method.

Test charging a saved SEPA Debit PaymentMethod

Confirming the SetupIntent using iDEAL, Bancontact, or Sofort, generates a SEPA Direct Debit PaymentMethod. SEPA Direct Debit is a delayed notification payment method that transitions to an intermediate processing state before transitioning several days later to a succeeded or requires_payment_method state.