Configure Stripe PaymentMethodConfigurations to serve different local payment method sets per checkout scenario

In-depth guide

Verified steps

1. Create a configuration via POST /v1/payment_method_configurations with a name and one or more payment methods set to display_preference[preference]=on (for example ideal, bancontact, blik).
2. In the Dashboard, toggle individual local payment methods on or off per configuration — a buyer only ever sees methods that are both enabled in the active configuration and compatible with the payment's location/currency.
3. Copy the configuration ID (pmc_xxx) and pass it as paymentMethodConfiguration when creating a client-side Payment Element/Elements instance, or as payment_method_configuration when creating a Checkout Session or PaymentIntent server-side.
4. Use separate configurations for distinct scenarios (for example one-time purchase vs. subscription checkout) instead of hardcoding different payment_method_types arrays per flow.
5. For narrower, per-transaction exceptions on top of a configuration, use excluded_payment_method_types on the individual PaymentIntent/Checkout Session/SetupIntent rather than creating a new configuration for every edge case.