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'setup_future_usage' => 'off_session',
By default, payment methods used to make a one-time payment with Checkout aren’t available for future use outside of Checkout. You can instruct Checkout to save payment methods used to make a one-time payment by passing the payment_intent_data.setup_future_usage argument. This is useful if you need to capture a payment method on-file to use for future fees, such as cancellation or no-show fees.
Stripe uses setup_future_usage to dynamically optimize your payment flow and comply with regional legislation and network rules. For example, if your customer is impacted by Strong Customer Authentication, passing setup_future_usage=off_session ensures that they’re authenticated while processing this payment. You can then collect future off-session payments for this customer using the Payment Intents API.
Card payment methods saved to customers using setup_future_usage are reusable in future Checkout Sessions for existing customers.
Use on_session if you intend to only reuse the payment method when your customer is present in your checkout flow.
Use off_session if your customer may or may not be present in your checkout flow.