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[smoky tangle]

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[fair rock]

Hi! that PaymentIntent example is not off_session.

I don't think you understand this correctly. The canonical way this works is

• create SetupIntent with usage:"off_session" .
• confirm the SetupIntent
• some time(hours/days/months) later, create a PaymentIntent with the saved payment_method ID
• confirm the PaymentIntent with off_session=true to attempt to claim the "merchant initiated" exemption that the SetupIntent was being used for.
  https://stripe.com/docs/payments/save-and-reuse?platform=web&ui=elements
  https://docs.stripe.com/payments/save-and-reuse?platform=web&ui=elements#charge-saved-payment-method

In that example you posted, you're just doing a on-session payment on the saved card so it's treated as if the customer is present and can do 3D Secure.

[rancid summit]

Hi, thanks for the response, I'm just taking a look at all the stuff in your reply

Ok perfect, just read through everything and I will give that a go. Thank you for the help!