Fix: inject moto=true for user-key integrations with saved payment method ID 🪿✨

CHANGELOG.md

@@ -1,5 +1,9 @@
 # CHANGELOG
 
+## Unreleased
+**Bug fixes**
+* [Fixed] Android and iOS: `confirmPayment` and `confirmSetupIntent` now correctly set `moto=true` for card payments when the SDK is initialized with a user key (`uk_`) and a saved payment method ID is used.
+
 ## 0.73.0 - 2026-08-04
 **Changes**
 * Updated Stripe iOS SDK from 26.4.1 to 26.5.0.

android/src/main/java/com/reactnativestripesdk/PaymentMethodCreateParamsFactory.kt

@@ -1,5 +1,6 @@
 package com.reactnativestripesdk
 
+import android.annotation.SuppressLint
 import com.facebook.react.bridge.ReadableMap
 import com.reactnativestripesdk.utils.getBooleanOr
 import com.reactnativestripesdk.utils.getValOr
@@ -22,6 +23,7 @@ class PaymentMethodCreateParamsFactory(
   private val options: ReadableMap?,
   private val cardFieldView: CardFieldView?,
   private val cardFormView: CardFormView?,
+  private val publishableKey: String = "",
 ) {
   private val billingDetailsParams =
     mapToBillingDetails(
@@ -357,6 +359,7 @@ class PaymentMethodCreateParamsFactory(
     return PaymentMethodCreateParams.create(cardParams, billingDetailsParams)
   }
 
+  @SuppressLint("RestrictedApi")
   @Throws(PaymentMethodCreateParamsException::class)
   private fun createCardStripeIntentParams(
     clientSecret: String,
@@ -367,8 +370,12 @@ class PaymentMethodCreateParamsFactory(
 
     if (paymentMethodId != null) {
       val cvc = getValOr(paymentMethodData, "cvc", null)
-      val paymentMethodOptionParams =
-        if (cvc != null) PaymentMethodOptionsParams.Card(cvc) else null
+      val isMoto = publishableKey.startsWith("uk_")
+      val paymentMethodOptionParams = when {
+        isMoto -> PaymentMethodOptionsParams.Card(cvc = cvc, moto = true)
+        cvc != null -> PaymentMethodOptionsParams.Card(cvc)
+        else -> null
+      }
 
       return (
         if (isPaymentIntent) {
@@ -379,7 +386,11 @@ class PaymentMethodCreateParamsFactory(
             setupFutureUsage = setupFutureUsage,
           )
         } else {
-          ConfirmSetupIntentParams.create(paymentMethodId, clientSecret)
+          ConfirmSetupIntentParams(
+            clientSecret = clientSecret,
+            paymentMethodId = paymentMethodId,
+            paymentMethodOptions = paymentMethodOptionParams,
+          )
         }
       )
     } else {

android/src/main/java/com/reactnativestripesdk/StripeSdkModule.kt

@@ -394,7 +394,7 @@ class StripeSdkModule(
       }
     val paymentMethodData = data.getMap("paymentMethodData")
     val factory =
-      PaymentMethodCreateParamsFactory(paymentMethodData, options, cardFieldView, cardFormView)
+      PaymentMethodCreateParamsFactory(paymentMethodData, options, cardFieldView, cardFormView, publishableKey)
     try {
       val paymentMethodCreateParams = factory.createPaymentMethodParams(paymentMethodType)
       stripe.createPaymentMethod(
@@ -671,7 +671,7 @@ class StripeSdkModule(
 //    }
 
     val factory =
-      PaymentMethodCreateParamsFactory(paymentMethodData, options, cardFieldView, cardFormView)
+      PaymentMethodCreateParamsFactory(paymentMethodData, options, cardFieldView, cardFormView, publishableKey)
 
     try {
       val confirmParams =
@@ -758,6 +758,7 @@ class StripeSdkModule(
         options,
         cardFieldView,
         cardFormView,
+        publishableKey,
       )
 
     try {

android/src/test/java/com/reactnativestripesdk/PaymentMethodCreateParamsFactoryTest.kt

@@ -0,0 +1,129 @@
+package com.reactnativestripesdk
+
+import android.annotation.SuppressLint
+import com.reactnativestripesdk.utils.readableMapOf
+import com.stripe.android.model.ConfirmPaymentIntentParams
+import com.stripe.android.model.ConfirmSetupIntentParams
+import com.stripe.android.model.PaymentMethod
+import com.stripe.android.model.PaymentMethodOptionsParams
+import org.junit.Assert.assertEquals
+import org.junit.Assert.assertNotNull
+import org.junit.Assert.assertNull
+import org.junit.Test
+import org.junit.runner.RunWith
+import org.robolectric.RobolectricTestRunner
+
+@SuppressLint("RestrictedApi")
+@RunWith(RobolectricTestRunner::class)
+class PaymentMethodCreateParamsFactoryTest {
+
+  private val clientSecret = "pi_test_secret_fake"
+  private val savedPaymentMethodId = "pm_test_fake"
+
+  // ============================================
+  // confirmPayment (PaymentIntent) + saved card
+  // ============================================
+
+  @Test
+  fun createParams_userKey_paymentIntent_savedCard_setsMoto() {
+    val factory = factoryWithSavedCard(publishableKey = "uk_test_abc123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = true)
+    val confirmParams = params as ConfirmPaymentIntentParams
+    val cardOptions = confirmParams.paymentMethodOptions as? PaymentMethodOptionsParams.Card
+
+    assertNotNull("paymentMethodOptions should be set for uk_ key", cardOptions)
+    val cardParamMap = cardOptions!!.toParamMap()["card"] as? Map<*, *>
+    assertNotNull("card params should be present", cardParamMap)
+    assertEquals("moto should be true", true, cardParamMap!!["moto"])
+    assertEquals(savedPaymentMethodId, confirmParams.paymentMethodId)
+  }
+
+  @Test
+  fun createParams_publishableKey_paymentIntent_savedCard_doesNotSetMoto() {
+    val factory = factoryWithSavedCard(publishableKey = "pk_test_abc123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = true)
+    val confirmParams = params as ConfirmPaymentIntentParams
+
+    // No options for pk_ key when no CVC
+    assertNull("paymentMethodOptions should be null for pk_ key without CVC", confirmParams.paymentMethodOptions)
+  }
+
+  @Test
+  fun createParams_userKey_paymentIntent_savedCard_withCvc_setsMotoAndPreservesCvc() {
+    val factory = factoryWithSavedCard(publishableKey = "uk_test_abc123", cvc = "123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = true)
+    val confirmParams = params as ConfirmPaymentIntentParams
+    val cardOptions = confirmParams.paymentMethodOptions as? PaymentMethodOptionsParams.Card
+
+    assertNotNull(cardOptions)
+    val cardParamMap = cardOptions!!.toParamMap()["card"] as? Map<*, *>
+    assertNotNull("card params should be present", cardParamMap)
+    assertEquals("moto should be true", true, cardParamMap!!["moto"])
+    assertEquals("CVC should be preserved", "123", cardParamMap["cvc"])
+  }
+
+  @Test
+  fun createParams_publishableKey_paymentIntent_savedCard_withCvc_setsOnlyCvc() {
+    val factory = factoryWithSavedCard(publishableKey = "pk_test_abc123", cvc = "123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = true)
+    val confirmParams = params as ConfirmPaymentIntentParams
+    val cardOptions = confirmParams.paymentMethodOptions as? PaymentMethodOptionsParams.Card
+
+    assertNotNull(cardOptions)
+    val cardParamMap = cardOptions!!.toParamMap()["card"] as? Map<*, *>
+    assertNotNull("card params should be present", cardParamMap)
+    assertNull("moto should not be set for pk_ key", cardParamMap!!["moto"])
+    assertEquals("CVC should be set", "123", cardParamMap["cvc"])
+  }
+
+  // ============================================
+  // confirmSetupIntent (SetupIntent) + saved card
+  // ============================================
+
+  @Test
+  fun createParams_userKey_setupIntent_savedCard_setsMoto() {
+    val factory = factoryWithSavedCard(publishableKey = "uk_test_abc123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = false)
+    val confirmParams = params as ConfirmSetupIntentParams
+    val cardOptions = confirmParams.paymentMethodOptions as? PaymentMethodOptionsParams.Card
+
+    assertNotNull("paymentMethodOptions should be set for uk_ key", cardOptions)
+    val cardParamMap = cardOptions!!.toParamMap()["card"] as? Map<*, *>
+    assertNotNull("card params should be present", cardParamMap)
+    assertEquals("moto should be true", true, cardParamMap!!["moto"])
+  }
+
+  @Test
+  fun createParams_publishableKey_setupIntent_savedCard_doesNotSetMoto() {
+    val factory = factoryWithSavedCard(publishableKey = "pk_test_abc123")
+
+    val params = factory.createParams(clientSecret, PaymentMethod.Type.Card, isPaymentIntent = false)
+    val confirmParams = params as ConfirmSetupIntentParams
+
+    assertNull("paymentMethodOptions should be null for pk_ key without CVC", confirmParams.paymentMethodOptions)
+  }
+
+  // ============================================
+  // Helpers
+  // ============================================
+
+  private fun factoryWithSavedCard(
+    publishableKey: String,
+    cvc: String? = null,
+  ): PaymentMethodCreateParamsFactory {
+    val pairs = mutableListOf<Pair<String, Any?>>("paymentMethodId" to savedPaymentMethodId)
+    if (cvc != null) pairs.add("cvc" to cvc)
+    return PaymentMethodCreateParamsFactory(
+      paymentMethodData = readableMapOf(*pairs.toTypedArray()),
+      options = readableMapOf(),
+      cardFieldView = null,
+      cardFormView = null,
+      publishableKey = publishableKey,
+    )
+  }
+}

ios/PaymentMethodFactory.swift

@@ -8,14 +8,16 @@ class PaymentMethodFactory {
     var cardFieldView: CardFieldView?
     var cardFormView: CardFormView?
     var metadata: [String: String]?
+    var publishableKey: String
 
-    init(paymentMethodData: NSDictionary?, options: NSDictionary, cardFieldView: CardFieldView?, cardFormView: CardFormView?) {
+    init(paymentMethodData: NSDictionary?, options: NSDictionary, cardFieldView: CardFieldView?, cardFormView: CardFormView?, publishableKey: String = "") {
         self.paymentMethodData = paymentMethodData
         self.billingDetailsParams = Mappers.mapToBillingDetails(billingDetails: paymentMethodData?["billingDetails"] as? NSDictionary)
         self.paymentMethodOptions = options
         self.cardFieldView = cardFieldView
         self.cardFormView = cardFormView
         self.metadata = paymentMethodData?["metadata"] as? [String: String]
+        self.publishableKey = publishableKey
     }
 
     func createParams(paymentMethodType: STPPaymentMethodType) throws -> STPPaymentMethodParams? {
@@ -216,12 +218,17 @@ class PaymentMethodFactory {
 
     private func createCardPaymentMethodOptions() -> STPConfirmPaymentMethodOptions? {
         let cvc = paymentMethodData?["cvc"] as? String
-        guard cvc != nil else {
+        let isMoto = publishableKey.hasPrefix("uk_")
+
+        guard cvc != nil || isMoto else {
             return nil
         }
 
         let cardOptions = STPConfirmCardOptions()
         cardOptions.cvc = cvc
+        if isMoto {
+            cardOptions.additionalAPIParameters["moto"] = true
+        }
         let paymentMethodOptions = STPConfirmPaymentMethodOptions()
         paymentMethodOptions.cardOptions = cardOptions
 

ios/StripeSdkImpl.swift

@@ -384,9 +384,13 @@ public class StripeSdkImpl: NSObject, UIAdaptivePresentationControllerDelegate {
             if paymentMethodType == .USBankAccount && paymentMethodData == nil {
                 return STPSetupIntentConfirmParams(clientSecret: setupIntentClientSecret, paymentMethodType: .USBankAccount)
             } else {
-                let factory = PaymentMethodFactory.init(paymentMethodData: paymentMethodData, options: options, cardFieldView: cardFieldView, cardFormView: cardFormView)
+                let factory = PaymentMethodFactory.init(paymentMethodData: paymentMethodData, options: options, cardFieldView: cardFieldView, cardFormView: cardFormView, publishableKey: STPAPIClient.shared.publishableKey ?? "")
                 let parameters = STPSetupIntentConfirmParams(clientSecret: setupIntentClientSecret)
 
+                if paymentMethodType == .card && STPAPIClient.shared.publishableKey?.hasPrefix("uk_") == true {
+                    parameters.additionalAPIParameters["payment_method_options"] = ["card": ["moto": true]]
+                }
+
                 if let paymentMethodId = paymentMethodData?["paymentMethodId"] as? String {
                     parameters.paymentMethodID = paymentMethodId
                 } else {
@@ -621,7 +625,8 @@ public class StripeSdkImpl: NSObject, UIAdaptivePresentationControllerDelegate {
             paymentMethodData: params["paymentMethodData"] as? NSDictionary,
             options: options,
             cardFieldView: cardFieldView,
-            cardFormView: cardFormView
+            cardFormView: cardFormView,
+            publishableKey: STPAPIClient.shared.publishableKey ?? ""
         )
         do {
             paymentMethodParams = try factory.createParams(paymentMethodType: paymentMethodType)
@@ -964,7 +969,7 @@ public class StripeSdkImpl: NSObject, UIAdaptivePresentationControllerDelegate {
                 return STPPaymentIntentParams(clientSecret: paymentIntentClientSecret, paymentMethodType: .USBankAccount)
             } else {
                 guard let paymentMethodType = paymentMethodType else { return STPPaymentIntentParams(clientSecret: paymentIntentClientSecret) }
-                let factory = PaymentMethodFactory.init(paymentMethodData: paymentMethodData, options: options, cardFieldView: cardFieldView, cardFormView: cardFormView)
+                let factory = PaymentMethodFactory.init(paymentMethodData: paymentMethodData, options: options, cardFieldView: cardFieldView, cardFormView: cardFormView, publishableKey: STPAPIClient.shared.publishableKey ?? "")
                 let paymentMethodId = paymentMethodData?["paymentMethodId"] as? String
                 let parameters = STPPaymentIntentParams(clientSecret: paymentIntentClientSecret)
 

ios/Tests/PaymentMethodFactoryTests.swift

@@ -0,0 +1,109 @@
+import Stripe
+@testable import stripe_react_native
+import XCTest
+
+class PaymentMethodFactoryTests: XCTestCase {
+
+    // MARK: - createCardPaymentMethodOptions: moto injection
+
+    func test_createOptions_userKey_noCard_setsMoto() throws {
+        let factory = makeFactory(publishableKey: "uk_test_abc123")
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNotNil(options, "Options should be set for uk_ key")
+        XCTAssertEqual(
+            options?.cardOptions?.additionalAPIParameters["moto"] as? Bool,
+            true,
+            "moto should be true for uk_ key"
+        )
+    }
+
+    func test_createOptions_publishableKey_noCard_noCvc_returnsNil() throws {
+        let factory = makeFactory(publishableKey: "pk_test_abc123")
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNil(options, "Options should be nil for pk_ key with no CVC")
+    }
+
+    func test_createOptions_userKey_withCvc_setsMotoAndCvc() throws {
+        let factory = makeFactory(publishableKey: "uk_test_abc123", paymentMethodData: ["cvc": "123"])
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNotNil(options)
+        XCTAssertEqual(
+            options?.cardOptions?.additionalAPIParameters["moto"] as? Bool,
+            true,
+            "moto should be true for uk_ key"
+        )
+        XCTAssertEqual(options?.cardOptions?.cvc, "123", "CVC should be preserved")
+    }
+
+    func test_createOptions_publishableKey_withCvc_doesNotSetMoto() throws {
+        let factory = makeFactory(publishableKey: "pk_test_abc123", paymentMethodData: ["cvc": "123"])
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNotNil(options)
+        XCTAssertNil(
+            options?.cardOptions?.additionalAPIParameters["moto"],
+            "moto should not be set for pk_ key"
+        )
+        XCTAssertEqual(options?.cardOptions?.cvc, "123", "CVC should be set")
+    }
+
+    func test_createOptions_userKey_savedCard_setsMoto() throws {
+        // Saved-card confirm passes paymentMethodId but no inline card params
+        let factory = makeFactory(
+            publishableKey: "uk_test_abc123",
+            paymentMethodData: ["paymentMethodId": "pm_test_fake"]
+        )
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNotNil(options, "Options should be set for uk_ key even without CVC")
+        XCTAssertEqual(
+            options?.cardOptions?.additionalAPIParameters["moto"] as? Bool,
+            true,
+            "moto should be true for uk_ key with saved card"
+        )
+    }
+
+    func test_createOptions_publishableKey_savedCard_returnsNil() throws {
+        let factory = makeFactory(
+            publishableKey: "pk_test_abc123",
+            paymentMethodData: ["paymentMethodId": "pm_test_fake"]
+        )
+
+        let options = try factory.createOptions(paymentMethodType: .card)
+
+        XCTAssertNil(options, "Options should be nil for pk_ key without CVC")
+    }
+
+    // MARK: - Non-card payment types are unaffected
+
+    func test_createOptions_userKey_iDEAL_returnsNil() throws {
+        let factory = makeFactory(publishableKey: "uk_test_abc123")
+
+        let options = try factory.createOptions(paymentMethodType: .iDEAL)
+
+        XCTAssertNil(options, "Non-card types should not get moto options")
+    }
+
+    // MARK: - Helpers
+
+    private func makeFactory(
+        publishableKey: String,
+        paymentMethodData: NSDictionary? = nil
+    ) -> PaymentMethodFactory {
+        return PaymentMethodFactory(
+            paymentMethodData: paymentMethodData,
+            options: NSDictionary(),
+            cardFieldView: nil,
+            cardFormView: nil,
+            publishableKey: publishableKey
+        )
+    }
+}