#nishp77
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Hello, which of our docs are you following?
And it sounds like you are developing a mobile app, which of our mobile libraries are you using?
IOS
So as the doc says, those are both optional for if you want to save the payment method for later use. The customer object gives you something to represent the person you are charging and saving the card for, you need a Customer to save cards but you don't need one if you don't want to save them
The Ephemeral Key is to allow your app to retrieve certain customer info in your mobile app. By default mobile apps can only use your public API key which is very restricted in what it can create and look up on your account. The ephemeral key lets you temporarily grant the app more permissions to read and write certain things.
what are automatic payment methods
This doc explains them in more depth: https://stripe.com/docs/payments/payment-methods/integration-options#using-automatic-payment-methods