How to charge a saved card using Stripe

1// Option 1: Save during Checkout
2const session = await stripe.checkout.sessions.create({
3  mode: 'payment',
4  customer: customerId,
5  payment_intent_data: {
6    setup_future_usage: 'off_session',
7  },
8  line_items: [{ price: 'price_xxx', quantity: 1 }],
9  success_url: 'https://yoursite.com/success',
10  cancel_url: 'https://yoursite.com/cancel',
11});
12
13// Option 2: Save via SetupIntent (no charge)
14const setupIntent = await stripe.setupIntents.create({
15  customer: customerId,
16  automatic_payment_methods: { enabled: true },
17});

1const paymentMethods = await stripe.paymentMethods.list({
2  customer: customerId,
3  type: 'card',
4});
5
6console.log(paymentMethods.data);
7// Each entry has: id, card.brand, card.last4, card.exp_month, card.exp_year

1async function chargeSavedCard(customerId, paymentMethodId, amount) {
2  try {
3    const paymentIntent = await stripe.paymentIntents.create({
4      amount: amount, // in cents
5      currency: 'usd',
6      customer: customerId,
7      payment_method: paymentMethodId,
8      off_session: true,
9      confirm: true,
10    });
11
12    return { success: true, paymentIntent };
13  } catch (err) {
14    if (err.code === 'authentication_required') {
15      // Card requires 3D Secure — notify customer to authenticate
16      return {
17        success: false,
18        requiresAuth: true,
19        paymentIntentId: err.raw.payment_intent.id,
20      };
21    }
22    throw err;
23  }
24}

1// Send customer to an authentication page with the PaymentIntent ID
2// On the authentication page:
3const { error } = await stripe.confirmPayment({
4  clientSecret: paymentIntent.client_secret,
5  confirmParams: {
6    return_url: 'https://yoursite.com/payment-authenticated',
7  },
8});