Save cards using MOTO

MOTO SetupIntents allow you to enter the card information on the reader and save the payment details without charging the card.

To do this with the iOS SDK, you must:

1. Create or retrieve a Customer.
2. Create a SetupIntent.
3. Collect a PaymentMethod.
4. Confirm and use the PaymentMethod.

Saving a card with MOTO flow

curl https://api.stripe.com/v1/customers \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -X "POST"

let params = try SetupIntentParametersBuilder()
  .setCustomer("{{CUSTOMER_ID}}")
  .setOnBehalfOf("{{ON_BEHALF_OF}}")
  .setDescription("Customer A's Card")
  .setPaymentMethodTypes([.card])
  .build()
Terminal.shared.createSetupIntent(params) { (createdSetupIntent, createError) in
  if let error = createError {
    print("createSetupIntent failed: \(error)")
  } else if let setupIntent = createdSetupIntent {
    print("createSetupIntent succeeded")
    // ...
  }
}

let config = try SetupIntentConfigurationBuilder()
    .setMoto(true)
    .build()

let cancelable = Terminal.shared.collectSetupIntentPaymentMethod(
    setupIntent,
    customerConsentCollected: customerConsentCollected,
    config: config
) { result in
    switch result {
    case .success(let setupIntent):
        print("collectSetupIntentPaymentMethod succeeded")
        // Placeholder for handling successful operation
    case .failure(let error):
        print("collectSetupIntentPaymentMethod failed: \(error)")
        // Placeholder for handling error
    }
}

Compliance

You’re responsible for your compliance with all applicable laws, regulations, and network rules when saving a customer’s payment details. For example, the European Data Protection Board has issued guidance regarding saving payment details. These requirements generally apply if you want to save your customer’s payment method for future use, such as presenting 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. If you plan to charge the customer while they’re offline, then at a minimum, make sure that your terms also cover 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 instance, whether charges are for scheduled installment or subscription payments, or for unscheduled top-ups).
• How the payment amount is determined.
• Your cancellation policy, if you’re setting up the payment method for a subscription service.

Make sure you keep a record of your customer’s written agreement to these terms.

When you save a payment method, it can only be used for the specific usage that you included in your terms. If you want to charge customers when they’re offline and also save the customer’s payment method to present to them as a saved payment method for future purchases, you must explicitly collect consent from the customer. One way to do so is with a “Save my payment method for future use” checkbox.