Stripe Payment Element无法加载已保存支付详情问题求助

已在Stripe端将Visa支付方式设置为allow_redisplay="always"，但尝试将已保存的支付详情加载至Payment Element时始终失败。Payment Element可正常渲染，但未填充已保存的卡片信息，相关代码如下：

后端C#代码 #

// controller action code
SetupIntentService setupIntentService = new();
var setupIntent = await setupIntentService.CreateAsync(new()
{
    Customer = customerId,
    Usage = "off_session",
    PaymentMethodTypes = ["card"],
    PaymentMethod = "pm_paymentMethodId"
});

var service = new EphemeralKeyService();
var ephemeralKey = await service.CreateAsync(new EphemeralKeyCreateOptions
{
    Customer = customerId,
    
});

return Json(new
{
    ApiKey = publishableKey,
    EphemeralKey = ephemeralKey.Secret,
    setupIntent.ClientSecret,
    CustomerId = customerId,
}, JsonRequestBehavior.AllowGet, false, true);

前端JavaScript代码 #

loadStripe(data.apiKey)
  .then(stripe => {
    if (!stripe) return;
     const elements = stripe.elements({
       clientSecret: data.clientSecret,
       customerOptions: {
         customer: data.customerId,
         ephemeralKey: data.ephemeralKey
       }
     });

     const paymentElement = elements.create('payment', {
       layout: "auto"
     });
     paymentElement?.mount('#payment-element');
});

可能遗漏的配置及修复方案 #

1. Ephemeral Key未指定API版本 #

创建临时密钥（Ephemeral Key）时必须指定与当前Stripe SDK匹配的API版本，否则会导致权限不足无法读取客户支付方法信息。修改后端代码：

var ephemeralKey = await service.CreateAsync(new EphemeralKeyCreateOptions
{
    Customer = customerId,
}, new RequestOptions { ApiVersion = "2024-06-20" }); // 替换为你的SDK对应的API版本

2. Payment Element未配置默认支付方式 #

需要明确告知Payment Element加载客户的已保存支付方式，可通过设置defaultPaymentMethod参数实现：

const paymentElement = elements.create('payment', {
  layout: "auto",
  defaultPaymentMethod: "auto" // 自动加载客户的默认支付方式，或直接指定支付方法ID如"pm_paymentMethodId"
});

3. SetupIntent参数错误 #

创建SetupIntent时指定了PaymentMethod参数会绑定到特定支付方法，限制了Payment Element加载客户所有已保存支付方式的能力。移除该参数，让SetupIntent关联客户即可：

var setupIntent = await setupIntentService.CreateAsync(new()
{
    Customer = customerId,
    Usage = "off_session",
    PaymentMethodTypes = ["card"],
    // 移除PaymentMethod = "pm_paymentMethodId"
});

4. 验证支付方法状态 #

确认目标支付方法pm_paymentMethodId已正确关联到该客户，状态为active，且allow_redisplay确实设置为always（可在Stripe后台查看支付方法详情）。

内容的提问来源于stack exchange，提问作者Gagan