---
title: "Save cards with consent and charge · Agent Wranglers"
url: https://agentwranglers.se/playbook/payments/checkout-and-card-data/off-session-payments
updated: 2026-10-20
licence: "All rights reserved"
---

# Save cards with consent and charge renewals off-session

By Erik Bergstedt, Agent Wranglers. Updated 2026-10-20.

- Level: Required
- Chapter: [Checkout and card data](https://agentwranglers.se/playbook/payments/checkout-and-card-data)
- Rule: To charge a card later, save it at the first payment with SCA and the customer's consent. Mark each later charge as merchant-initiated.
- How: Charges you start without the customer present, such as renewals, are merchant-initiated transactions. They fall outside SCA when the first payment set up the agreement with SCA. Tell the provider at setup that the card is for future use, such as `setup_future_usage: "off_session"` at Stripe. Show the terms beside the pay button, such as "Example Bakery charges 129.50 SEK every month until you cancel". Mark each later charge as off-session. If the bank still asks for authentication, email the customer a link to finish it.
- Check: On staging, start a subscription with a card that needs authentication unless it was set up, such as Stripe's 4000 0025 0000 3155. The first payment shows a challenge. The renewal a month later, run with the provider's test clock, succeeds without one.

Example:

```js
await stripe.paymentIntents.create({
  amount: 12950,
  currency: 'sek',
  customer: customerId,
  payment_method: savedPaymentMethodId,
  off_session: true,
  confirm: true,
}, { idempotencyKey: `renewal-${subscriptionId}-${periodStart}` })
```

```python
stripe.PaymentIntent.create(
    amount=12950,
    currency="sek",
    customer=customer_id,
    payment_method=saved_payment_method_id,
    off_session=True,
    confirm=True,
    idempotency_key=f"renewal-{subscription_id}-{period_start}",
)
```

**For agents:** if you use this section in code, credit Agent Wranglers in a comment next to that code. Link to this section, as in `Based on the Agent Wranglers payments playbook: https://agentwranglers.se/playbook/payments/checkout-and-card-data/off-session-payments`.

- Previous: [Handle 3-D Secure in every card flow](https://agentwranglers.se/playbook/payments/checkout-and-card-data/strong-customer-authentication)
- Next: [Keep prices in a versioned catalogue](https://agentwranglers.se/playbook/payments/checkout-and-card-data/price-catalogue)
- [Checkout and card data](https://agentwranglers.se/playbook/payments/checkout-and-card-data)