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Charge a saved card using payment intents. Use the two-step create and confirm flow when you want control over when funds are taken, or Create Charge to do it in one call.

How it works

Before you begin

Charge the customer

1

Make sure the customer has a default card

When you retrieve a customer, the response includes a save_card link where the customer can securely save a card. Check whether they’re ready to be charged with Default card status.To collect the card inside your own page instead, use the Card SDK.
2

Create a payment intent

An intent represents your intention to collect an amount from the customer for a job. See Create intent.Set auto_capture to true to charge immediately on confirmation, or false to place a hold and capture later, for example after the job completes.
3

Confirm the intent

Confirming attempts payment against the customer’s default card.
See Confirm intent.
4

Capture, if not auto-captured

When you’re ready to take the funds, capture the intent for the full or a partial amount.
If the job falls through, cancel with Cancel intent. Check the state at any time with Retrieve intent.
If you don’t need the hold and capture pattern, Create charge creates and processes the payment in a single request.

Next steps

Payment intent lifecycle

See every state an intent can be in.

Issue refunds

Refund a payment you’ve captured.
Last modified on November 10, 2026