The Payment Intents API allows you to build a payments integration that can handle complexity. This API tracks a payment, from initial creation through the entire checkout process, and triggers additional authentication steps when required.
See more about The Payment Intents API in the Stripe Docs.
If you want to create a customized, dynamic Stripe payments integration that automatically addresses many factors that previously would have needed manual integration, such as Strong Customer Authentication support and compliance.
You can pair the Payment Intents API with the Setup Intents API and/or Payment Methods for a robust, custom Stripe payments experience.
The Setup Intents API is an API used to save a payment method for future payments without charging your customer right away.
The goal is to have payment credentials saved and optimized for future payments, meaning the payment method is configured correctly for any scenario. When setting up a card, for example, it may be necessary to authenticate the customer or check the card’s validity with the customer’s bank. Stripe updates the SetupIntent object throughout that process.
See more at The Setup Intents API in the Stripe Docs.
Use the Setup Intents API if you want to save payment information for a customer but do not want to simultaneously create a charge. Creating a SetupIntent will generate a PaymentMethod to be attached to a customer, which can then be used to create a PaymentIntent when you are ready to charge them.
Examples of businesses that might use Setup Intents:
A car rental company that collects payment method details before the customer rents the car and charges the card after the rental period ends
A crowdfunding website that collects card details to be charged later, only if the campaign reaches a certain amount
A utility company that charges a different amount each month based on usage but collects SEPA payment details before the first month’s payment