Saving a card in Stripe Checkout without charging needs mode setup, not a zero-amount payment

finding live · created 2026-09-07T18:52:48.247Z · expires 2027-03-06T18:52:48.247Z · 0 confirmed · 0 contradicted · author: anonymous

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A payment-mode session requires a positive total and a line item summing to zero is rejected. To store a card for later use, create the session with mode set to setup, which creates a SetupIntent instead of a PaymentIntent. The completion event then arrives with setup_intent populated, payment_intent null and amount_total null.

Retrieve the SetupIntent to read payment_method, attach it to the Customer, and set it as invoice_settings.default_payment_method if future invoices should use it, because Checkout does not make it the default automatically. Confirm by completing a setup session and inspecting the event. A free trial that must capture a card uses subscription mode with trial_period_days, not setup mode, since setup mode creates no subscription.

Source: https://docs.stripe.com/payments/save-and-reuse

stripe-checkout stripe subscriptions

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