Set up future card payments

Server-side

This integration requires endpoints on your server that talk to the Stripe API. Use our official libraries for access to the Stripe API from your server:

# Available as a gem
sudo gem install stripe

# If you use bundler, you can add this line to your Gemfile
gem 'stripe'

Client-side

The React Native SDK is open source and fully documented. Internally, it uses the native iOS and Android SDKs. To install Stripe’s React Native SDK, run one of the following commands in your project’s directory (depending on which package manager you use):

yarn add @stripe/stripe-react-native

Next, install some other necessary dependencies:

• For iOS, navigate to the ios directory and run pod install to ensure that you also install the required native dependencies.
• For Android, there are no more dependencies to install.

Stripe initialization

To initialize Stripe in your React Native app, either wrap your payment screen with the StripeProvider component, or use the initStripe initialization method. Only the API publishable key in publishableKey is required. The following example shows how to initialize Stripe using the StripeProvider component.

import { StripeProvider } from '@stripe/stripe-react-native';

function App() {
  const [publishableKey, setPublishableKey] = useState('');

  const fetchPublishableKey = async () => {
    const key = await fetchKey(); // fetch key from your server here
    setPublishableKey(key);
  };

  useEffect(() => {
    fetchPublishableKey();
  }, []);

  return (
    <StripeProvider
      publishableKey={publishableKey}
      merchantIdentifier="merchant.identifier" // required for Apple Pay
      urlScheme="your-url-scheme" // required for 3D Secure and bank redirects
    >
      // Your app code here
    </StripeProvider>
  );
}

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.

curl https://api.stripe.com/v1/customers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d name="Jenny Rosen" \
  --data-urlencode email="jennyrosen@example.com"

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.

A SetupIntent is an object that represents your intent to set up a payment method for future payments. The SetupIntent object contains a client secret, a unique key that you pass to your app.

The client secret lets you perform certain actions on the client, such as confirming the setup and updating payment method details, while hiding sensitive information like customer. You can use the client secret to validate and authenticate card details using the credit card networks. The client secret is sensitive—don’t log it, embed it in URLs, or expose it to anyone but the customer.

Server-side

On your server, make an endpoint that creates a SetupIntent and returns its client secret to your app.

curl https://api.stripe.com/v1/setup_intents/ \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "customer"="{{CUSTOMER_ID}}"

If you only plan on using the card for future payments when your customer is present during the checkout flow, set the usage parameter to on_session to improve authorization rates.

Securely collect card information on the client with CardField, a UI component provided by the SDK that collects the card number, expiration date, CVC, and postal code.

Add the CardField component to your payment screen to securely collect card details from your customers. Use the onCardChange callback to inspect non-sensitive information about the card, like the brand, and whether the details are complete.

import { CardField, useStripe } from '@stripe/stripe-react-native';

function PaymentScreen() {
  // ...
  return (
    <View>
      <CardField
        postalCodeEnabled={true}
        placeholders={{
          number: '4242 4242 4242 4242',
        }}
        cardStyle={{
          backgroundColor: '#FFFFFF',
          textColor: '#000000',
        }}
        style={{
          width: '100%',
          height: 50,
          marginVertical: 30,
        }}
        onCardChange={(cardDetails) => {
          console.log('cardDetails', cardDetails);
        }}
        onFocus={(focusedField) => {
          console.log('focusField', focusedField);
        }}
      />
    </View>
  );
}

To complete the setup, pass the customer card and billing information to confirmSetupIntent. You can access this method using either the useConfirmSetupIntent or useStripe hook.

function PaymentScreen() {
  // ...

  const { confirmSetupIntent, loading } = useConfirmSetupIntent();

  // ...

  const handlePayPress = async () => {
    // Gather the customer's billing information (for example, email)
    const billingDetails: BillingDetails = {
      email: 'jenny.rosen@example.com',
    };
    // Create a setup intent on the backend
    const clientSecret = await createSetupIntentOnBackend();
    const { setupIntent, error } = await confirmSetupIntent(clientSecret, {
      paymentMethodType: 'Card',
      paymentMethodData: {
        billingDetails,
      }
    });

    if (error) {
      //Handle the error
    }
    // ...
  };

  return (
    <View>
      // ...
      <Button onPress={handlePayPress} title="Save" loading={loading} />
    </View>
  );
}

Some payment methods require additional authentication steps to complete a payment. The SDK manages the payment confirmation and authentication flow, which might involve presenting additional screens required for authentication. To test the authentication process, use the test card 4000 0025 0000 3155 along with any CVC, postal code, and future expiration date.

When the SetupIntent succeeds, the resulting PaymentMethod ID (in setupIntent.paymentMethodID) is saved to the provided Customer.

When you are ready to charge your customer off-session, use the Customer and PaymentMethod IDs to create a PaymentIntent. To find a card to charge, list the PaymentMethods associated with your Customer.

curl -G https://api.stripe.com/v1/payment_methods \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d customer=
{{CUSTOMER_ID}} \
  -d type=card

When you have the Customer and PaymentMethod IDs, create a PaymentIntent with the amount and currency of the payment. Set a few other parameters to make the off-session payment:

• Set off_session to true to indicate that the customer is not in your checkout flow during this payment attempt. This causes the PaymentIntent to throw an error if authentication is required.
• Set the value of the PaymentIntent’s confirm property to true, which causes confirmation to occur immediately when the PaymentIntent is created.
• Set payment_method to the ID of the PaymentMethod and customer to the ID of the Customer.

curl https://api.stripe.com/v1/payment_intents \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d amount=1099 \
  -d currency=usd \
  -d customer="{{CUSTOMER_ID}}" \
  -d payment_method="{{PAYMENT_METHOD_ID}}" \
  -d off_session=true \
  -d confirm=true

Start a recovery flow

If the PaymentIntent has any other status, the payment didn’t succeed and the request fails. Notify your customer to return to your application (for example, by email, text, push notification) to complete the payment. We recommend creating a recovery flow in your app that shows why the payment failed initially and lets your customer retry it.

In your recovery flow, retrieve the PaymentIntent using its client secret. Check the PaymentIntent’s lastPaymentError to inspect why the payment attempt failed. For card errors, you can show the user the last message for the payment error. Otherwise, you can show a generic failure message.

function PaymentScreen() {
  // ...

  const {retrievePaymentIntent} = useStripe();

  // ...

  const handleRecoveryFlow = async () => {
    const {paymentIntent, error} = await retrievePaymentIntent(clientSecret);

    if (error) {
      Alert.alert(`Error: ${error.code}`, error.message);
    } else if (paymentIntent) {
      // Default to a generic error message
      const failureReason = 'Payment failed, try again.';
      if (paymentIntent.lastPaymentError.type === 'Card') {
        failureReason = paymentIntent.lastPaymentError.message;
      }
    }
  };

  return (
    <View>
      // ...
      <Button
        onPress={handleRecoveryFlow}
        title="Recovery flow"
        loading={loading}
      />
    </View>
  );
}

Let your customer try again

Give the customer the option to update or remove their saved card and try payment again in your recovery flow. Follow the same steps you did to accept their initial payment with one difference—confirm the original, failed PaymentIntent by reusing its client secret instead of creating a new one.

If the payment failed because it requires authentication, try again with the existing PaymentMethod instead of creating a new one.

function PaymentScreen() {
  // ...

  const {retrievePaymentIntent} = useStripe();

  // ...

  const handleRecoveryFlow = async () => {
    const {paymentIntent, error} = await retrievePaymentIntent(clientSecret);

    if (error) {
      Alert.alert(`Error: ${error.code}`, error.message);
    } else if (paymentIntent) {
      // Default to a generic error message
      let failureReason = 'Payment failed, try again.';
      if (paymentIntent.lastPaymentError.type === 'Card') {
        failureReason = paymentIntent.lastPaymentError.message;
      }

      // If the last payment error is authentication_required, let the customer
      // complete the payment without asking them to reenter their details.
      if (paymentIntent.lastPaymentError?.code === 'authentication_required') {
        // Let the customer complete the payment with the existing PaymentMethod
        const {error} = await confirmPayment(paymentIntent.clientSecret, {
          paymentMethodType: 'Card',
          paymentMethodData: {
            billingDetails,
            paymentMethodId: paymentIntent.lastPaymentError?.paymentMethod.id,
          },
        });

        if (error) {
          // handle error
        }
      } else {
        // Collect a new PaymentMethod from the customer
      }
    }
  };

  return (
    <View>
      // ...
      <Button
        onPress={handleRecoveryFlow}
        title="Recovery flow"
        loading={loading}
      />
    </View>
  );
}

By this point you should have an integration that:

1. Collects and saves card details without charging the customer by using a SetupIntent
2. Charges the card off-session and has a recovery flow to handle declines and authentication requests

There are several test cards you can use to make sure this integration is ready for production. Use them with any CVC, postal code, and future expiration date.

See the full list of test cards.