Problem:
Stripe’s Payment Element allows multiple payment types and shows a Saved tab for logged-in users with saved payment methods.
But if you want to restrict the Payment Element to “card” only (no ACH, no Link, etc.) and show the user’s saved cards, Stripe doesn’t officially document how to do it.
The issue:
- Using a SetupIntent with
payment_method_types: ['card']restricts to card, but the Saved tab won’t appear. - Using a CustomerSession enables the Saved tab, but it shows all your enabled payment methods, not just cards.
The Solution (SetupIntent + CustomerSession Hack)
-
Create a SetupIntent for your customer with
payment_method_types: ['card']. - Also create a CustomerSession for that customer.
-
Initialize the Payment Element with both the SetupIntent’s
clientSecretand the CustomerSession’scustomerSessionClientSecret.
Result:
- Only “Card” is available for new payment methods.
- The Saved tab appears with any saved cards.
Laravel Example
Route (web.php):
Route::get('/stripe-element-test', function () {
Stripe::setApiKey(config('services.stripe.secret'));
Stripe::setApiVersion('2024-06-20');
$user = auth()->user();
$isLoggedIn = !is_null($user);
$stripeCustomerId = ($isLoggedIn && $user->stripe_customer_id) ? $user->stripe_customer_id : null;
// Create SetupIntent for 'card' only
$setupIntentParams = [
'usage' => 'off_session',
'payment_method_types' => ['card'],
'payment_method_options' => [
'card' => ['request_three_d_secure' => 'automatic'],
],
];
// Attach customer only if available
if ($stripeCustomerId) {
$setupIntentParams['customer'] = $stripeCustomerId;
}
$setupIntent = SetupIntent::create($setupIntentParams);
$customerSessionClientSecret = null;
if ($stripeCustomerId) {
$customerSession = CustomerSession::create([
'customer' => $stripeCustomerId,
'components' => [
'payment_element' => [
'enabled' => true,
'features' => [
'payment_method_redisplay' => 'enabled',
'payment_method_save' => 'enabled',
'payment_method_save_usage' => 'off_session',
'payment_method_remove' => 'disabled',
],
],
],
]);
$customerSessionClientSecret = $customerSession->client_secret;
}
return View::make('stripe-test', [
'stripePublishableKey' => config('services.stripe.key'),
'setupIntentClientSecret' => $setupIntent->client_secret,
'customerSessionClientSecret' => $customerSessionClientSecret, // null for guest
]);
});
View (resources/views/stripe-test.blade.php):
lang="en">
charset="UTF-8">
</span>Stripe Payment Element Test – Card Only w/ Saved Methods<span class="nt">
Stripe Payment Element Test
(Card Only, Shows Saved Cards if logged in)
id="payment-form">
id="payment-element">