diff --git a/changelog.txt b/changelog.txt
index 7d34faaaba..24e51d8cf3 100644
--- a/changelog.txt
+++ b/changelog.txt
@@ -15,6 +15,7 @@
 * Fix - Relax customer validation that was preventing payments from the pay for order page
 * Fix - Prevent the PMC migration to run when the plugin is not connected to Stripe
 * Fix - Fixes a fatal error in the OC inbox note when the new checkout is disabled
+* Fix - Fix unnecessary Stripe API calls when rendering subscription details
 
 = 9.8.0 - 2025-08-11 =
 * Add - Adds the current setting value for the Optimized Checkout to the Stripe System Status Report data
diff --git a/includes/compat/class-wc-stripe-subscriptions-helper.php b/includes/compat/class-wc-stripe-subscriptions-helper.php
index a992c89811..4a82e5a4ed 100644
--- a/includes/compat/class-wc-stripe-subscriptions-helper.php
+++ b/includes/compat/class-wc-stripe-subscriptions-helper.php
@@ -297,4 +297,41 @@ public static function build_subscription_detached_message( $subscription ) {
 			$customer_stripe_page
 		);
 	}
+
+	/**
+	 * Helper function to get and temporarily cache the payment method details for a customer and payment method ID.
+	 *
+	 * @param string $stripe_customer_id The Stripe customer ID.
+	 * @param string $payment_method_id  The Stripe payment method ID. This may be a source ID or a payment method ID.
+	 * @return object|null The payment method details or null if the payment method is not found.
+	 */
+	public static function get_subscription_payment_method_details( string $stripe_customer_id, string $payment_method_id ): ?object {
+		static $cached_payment_methods = [];
+
+		if ( empty( $stripe_customer_id ) || empty( $payment_method_id ) ) {
+			return null;
+		}
+
+		if ( isset( $cached_payment_methods[ $stripe_customer_id ][ $payment_method_id ] ) ) {
+			return $cached_payment_methods[ $stripe_customer_id ][ $payment_method_id ];
+		}
+
+		$saved_payment_method = WC_Stripe_API::get_payment_method( $payment_method_id );
+		if ( is_wp_error( $saved_payment_method ) ) {
+			return null;
+		}
+
+		if ( isset( $saved_payment_method->error ) || empty( $saved_payment_method->id ) || empty( $saved_payment_method->customer ) || $saved_payment_method->customer !== $stripe_customer_id ) {
+			$saved_payment_method = null;
+		}
+
+		// Make sure we build the array tree.
+		if ( ! isset( $cached_payment_methods[ $stripe_customer_id ] ) ) {
+			$cached_payment_methods[ $stripe_customer_id ] = [];
+		}
+
+		$cached_payment_methods[ $stripe_customer_id ][ $payment_method_id ] = $saved_payment_method;
+
+		return $saved_payment_method;
+	}
 }
diff --git a/includes/compat/trait-wc-stripe-subscriptions.php b/includes/compat/trait-wc-stripe-subscriptions.php
index 3078684c53..6e5b543743 100644
--- a/includes/compat/trait-wc-stripe-subscriptions.php
+++ b/includes/compat/trait-wc-stripe-subscriptions.php
@@ -977,7 +977,6 @@ public function maybe_render_subscription_payment_method( $payment_method_to_dis
 			$subscription->save();
 		}
 
-		$stripe_customer    = new WC_Stripe_Customer();
 		$stripe_customer_id = $subscription->get_meta( '_stripe_customer_id', true );
 
 		// If we couldn't find a Stripe customer linked to the subscription, fallback to the user meta data.
@@ -1011,82 +1010,83 @@ public function maybe_render_subscription_payment_method( $payment_method_to_dis
 			}
 		}
 
-		$stripe_customer->set_id( $stripe_customer_id );
-
-		$payment_method_to_display = __( 'N/A', 'woocommerce-gateway-stripe' );
-
 		try {
-			// Retrieve all possible payment methods for subscriptions.
-			foreach ( WC_Stripe_Customer::STRIPE_PAYMENT_METHODS as $payment_method_type ) {
-				foreach ( $stripe_customer->get_payment_methods( $payment_method_type ) as $source ) {
-					if ( $source->id !== $stripe_source_id ) {
-						continue;
-					}
+			$saved_payment_method = WC_Stripe_Subscriptions_Helper::get_subscription_payment_method_details( $stripe_customer_id, $stripe_source_id );
 
-					// Legacy handling for Stripe Card objects. ref: https://docs.stripe.com/api/cards/object
-					if ( isset( $source->object ) && WC_Stripe_Payment_Methods::CARD === $source->object ) {
-						/* translators: 1) card brand 2) last 4 digits */
-						$payment_method_to_display = sprintf( __( 'Via %1$s card ending in %2$s', 'woocommerce-gateway-stripe' ), ( isset( $source->brand ) ? wc_get_credit_card_type_label( $source->brand ) : __( 'N/A', 'woocommerce-gateway-stripe' ) ), $source->last4 );
-						break 2;
-					}
-
-					switch ( $source->type ) {
-						case WC_Stripe_Payment_Methods::CARD:
-							/* translators: 1) card brand 2) last 4 digits */
-							$payment_method_to_display = sprintf( __( 'Via %1$s card ending in %2$s', 'woocommerce-gateway-stripe' ), ( isset( $source->card->brand ) ? wc_get_credit_card_type_label( $source->card->brand ) : __( 'N/A', 'woocommerce-gateway-stripe' ) ), $source->card->last4 );
-							break 3;
-						case WC_Stripe_Payment_Methods::SEPA_DEBIT:
-							/* translators: 1) last 4 digits of SEPA Direct Debit */
-							$payment_method_to_display = sprintf( __( 'Via SEPA Direct Debit ending in %1$s', 'woocommerce-gateway-stripe' ), $source->sepa_debit->last4 );
-							break 3;
-						case WC_Stripe_Payment_Methods::CASHAPP_PAY:
-							/* translators: 1) Cash App Cashtag */
-							$payment_method_to_display = sprintf( __( 'Via Cash App Pay (%1$s)', 'woocommerce-gateway-stripe' ), $source->cashapp->cashtag );
-							break 3;
-						case WC_Stripe_Payment_Methods::LINK:
-							/* translators: 1) email address associated with the Stripe Link payment method */
-							$payment_method_to_display = sprintf( __( 'Via Stripe Link (%1$s)', 'woocommerce-gateway-stripe' ), $source->link->email );
-							break 3;
-						case WC_Stripe_Payment_Methods::ACH:
-							$payment_method_to_display = sprintf(
-								/* translators: 1) account type (checking, savings), 2) last 4 digits of account. */
-								__( 'Via %1$s Account ending in %2$s', 'woocommerce-gateway-stripe' ),
-								ucfirst( $source->us_bank_account->account_type ),
-								$source->us_bank_account->last4
-							);
-							break 3;
-						case WC_Stripe_Payment_Methods::BECS_DEBIT:
-							$payment_method_to_display = sprintf(
-								/* translators: last 4 digits of account. */
-								__( 'BECS Direct Debit ending in %s', 'woocommerce-gateway-stripe' ),
-								$source->au_becs_debit->last4
-							);
-							break 3;
-						case WC_Stripe_Payment_Methods::ACSS_DEBIT:
-							$payment_method_to_display = sprintf(
-								/* translators: 1) bank name, 2) last 4 digits of account. */
-								__( 'Via %1$s ending in %2$s', 'woocommerce-gateway-stripe' ),
-								$source->acss_debit->bank_name,
-								$source->acss_debit->last4
-							);
-							break 3;
-						case WC_Stripe_Payment_Methods::BACS_DEBIT:
-							/* translators: 1) the Bacs Direct Debit payment method's last 4 numbers */
-							$payment_method_to_display = sprintf( __( 'Via Bacs Direct Debit ending in (%1$s)', 'woocommerce-gateway-stripe' ), $source->bacs_debit->last4 );
-							break 3;
-						case WC_Stripe_Payment_Methods::AMAZON_PAY:
-							/* translators: 1) the Amazon Pay payment method's email */
-							$payment_method_to_display = sprintf( __( 'Via Amazon Pay (%1$s)', 'woocommerce-gateway-stripe' ), $source->billing_details->email ?? '' );
-							break 3;
-					}
-				}
+			if ( null !== $saved_payment_method ) {
+				return $this->get_payment_method_to_display_for_payment_method( $saved_payment_method );
 			}
 		} catch ( WC_Stripe_Exception $e ) {
 			wc_add_notice( $e->getLocalizedMessage(), 'error' );
 			WC_Stripe_Logger::log( 'Error: ' . $e->getMessage() );
 		}
 
-		return $payment_method_to_display;
+		return __( 'N/A', 'woocommerce-gateway-stripe' );
+	}
+
+	/**
+	 * Helper function to get the descriptive text for a payment method or source.
+	 *
+	 * @param object $payment_method The payment method or source object.
+	 * @return string The descriptive text for the payment method or source.
+	 */
+	protected function get_payment_method_to_display_for_payment_method( object $payment_method ): string {
+		// Legacy handling for Stripe Card objects. ref: https://docs.stripe.com/api/cards/object
+		if ( isset( $payment_method->object ) && WC_Stripe_Payment_Methods::CARD === $payment_method->object ) {
+			return sprintf(
+				/* translators: 1) card brand 2) last 4 digits */
+				__( 'Via %1$s card ending in %2$s', 'woocommerce-gateway-stripe' ),
+				( isset( $payment_method->brand ) ? wc_get_credit_card_type_label( $payment_method->brand ) : __( 'N/A', 'woocommerce-gateway-stripe' ) ),
+				$payment_method->last4
+			);
+		}
+
+		switch ( $payment_method->type ) {
+			case WC_Stripe_Payment_Methods::CARD:
+				return sprintf(
+					/* translators: 1) card brand 2) last 4 digits */
+					__( 'Via %1$s card ending in %2$s', 'woocommerce-gateway-stripe' ),
+					( isset( $payment_method->card->brand ) ? wc_get_credit_card_type_label( $payment_method->card->brand ) : __( 'N/A', 'woocommerce-gateway-stripe' ) ),
+					$payment_method->card->last4
+				);
+			case WC_Stripe_Payment_Methods::SEPA_DEBIT:
+				/* translators: 1) last 4 digits of SEPA Direct Debit */
+				return sprintf( __( 'Via SEPA Direct Debit ending in %1$s', 'woocommerce-gateway-stripe' ), $payment_method->sepa_debit->last4 );
+			case WC_Stripe_Payment_Methods::CASHAPP_PAY:
+				/* translators: 1) Cash App Cashtag */
+				return sprintf( __( 'Via Cash App Pay (%1$s)', 'woocommerce-gateway-stripe' ), $payment_method->cashapp->cashtag );
+			case WC_Stripe_Payment_Methods::LINK:
+				/* translators: 1) email address associated with the Stripe Link payment method */
+				return sprintf( __( 'Via Stripe Link (%1$s)', 'woocommerce-gateway-stripe' ), $payment_method->link->email );
+			case WC_Stripe_Payment_Methods::ACH:
+				return sprintf(
+					/* translators: 1) account type (checking, savings), 2) last 4 digits of account. */
+					__( 'Via %1$s Account ending in %2$s', 'woocommerce-gateway-stripe' ),
+					ucfirst( $payment_method->us_bank_account->account_type ),
+					$payment_method->us_bank_account->last4
+				);
+			case WC_Stripe_Payment_Methods::BECS_DEBIT:
+				return sprintf(
+					/* translators: last 4 digits of account. */
+					__( 'BECS Direct Debit ending in %s', 'woocommerce-gateway-stripe' ),
+					$payment_method->au_becs_debit->last4
+				);
+			case WC_Stripe_Payment_Methods::ACSS_DEBIT:
+				return sprintf(
+					/* translators: 1) bank name, 2) last 4 digits of account. */
+					__( 'Via %1$s ending in %2$s', 'woocommerce-gateway-stripe' ),
+					$payment_method->acss_debit->bank_name,
+					$payment_method->acss_debit->last4
+				);
+			case WC_Stripe_Payment_Methods::BACS_DEBIT:
+				/* translators: 1) the Bacs Direct Debit payment method's last 4 numbers */
+				return sprintf( __( 'Via Bacs Direct Debit ending in (%1$s)', 'woocommerce-gateway-stripe' ), $payment_method->bacs_debit->last4 );
+			case WC_Stripe_Payment_Methods::AMAZON_PAY:
+				/* translators: 1) the Amazon Pay payment method's email */
+				return sprintf( __( 'Via Amazon Pay (%1$s)', 'woocommerce-gateway-stripe' ), $payment_method->billing_details->email ?? '' );
+		}
+
+		return __( 'N/A', 'woocommerce-gateway-stripe' );
 	}
 
 	/**
diff --git a/readme.txt b/readme.txt
index d7b36164f1..42b47de961 100644
--- a/readme.txt
+++ b/readme.txt
@@ -119,5 +119,6 @@ If you get stuck, you can ask for help in the [Plugin Forum](https://wordpress.o
 * Fix - Ensure all Javascript strings use the correct text domain for translation
 * Tweak - Use more specific selector in express checkout e2e tests
 * Tweak - Small improvements to e2e tests
+* Fix - Fix unnecessary Stripe API calls when rendering subscription details
 
 [See changelog for full details across versions](https://raw.githubusercontent.com/woocommerce/woocommerce-gateway-stripe/trunk/changelog.txt).
diff --git a/tests/phpunit/WC_Stripe_Payment_Gateway_Test.php b/tests/phpunit/WC_Stripe_Payment_Gateway_Test.php
index 5ff56f4b6c..1d77e80c3b 100644
--- a/tests/phpunit/WC_Stripe_Payment_Gateway_Test.php
+++ b/tests/phpunit/WC_Stripe_Payment_Gateway_Test.php
@@ -581,61 +581,192 @@ public function test_get_balance_transaction_id_from_charge() {
 		$this->assertEquals( null, $this->gateway->get_balance_transaction_id_from_charge( null ) );
 	}
 
+	public function provide_test_render_subscription_payment_method_cases(): array {
+		return [
+			'VISA card ending in 4242' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'visa',
+					'last4' => '4242',
+				],
+				'expected_result'       => 'Via Visa card ending in 4242',
+			],
+			'MasterCard ending in 1234' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'mastercard',
+					'last4' => '1234',
+				],
+				'expected_result'       => 'Via MasterCard card ending in 1234',
+			],
+			'American Express card ending in 5678' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'amex',
+					'last4' => '5678',
+				],
+				'expected_result'       => 'Via Amex card ending in 5678',
+			],
+			'JCB card ending in 9012' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'jcb',
+					'last4' => '9012',
+				],
+				'expected_result'       => 'Via JCB card ending in 9012',
+			],
+			'Unknown card type ending in 0000' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'dummy',
+					'last4' => '0000',
+				],
+				'expected_result'       => 'Via Dummy card ending in 0000',
+			],
+			'SEPA Debit ending in 1234' => [
+				'payment_method_type'   => 'sepa_debit',
+				'payment_method_fields' => [
+					'last4' => '1234',
+				],
+				'expected_result'       => 'Via SEPA Direct Debit ending in 1234',
+			],
+			'Cash App Pay with cashtag TEST321' => [
+				'payment_method_type'   => 'cashapp',
+				'payment_method_fields' => [
+					'cashtag' => 'TEST321',
+				],
+				'expected_result'       => 'Via Cash App Pay (TEST321)',
+			],
+			'Stripe Link with email test@example.com' => [
+				'payment_method_type'   => 'link',
+				'payment_method_fields' => [
+					'email' => 'test@example.com',
+				],
+				'expected_result'       => 'Via Stripe Link (test@example.com)',
+			],
+			'ACH checking ending in 1357' => [
+				'payment_method_type'   => 'us_bank_account',
+				'payment_method_fields' => [
+					'account_type' => 'checking',
+					'last4'        => '1357',
+				],
+				'expected_result'       => 'Via Checking Account ending in 1357',
+			],
+			'ACH savings ending in 2468' => [
+				'payment_method_type'   => 'us_bank_account',
+				'payment_method_fields' => [
+					'account_type' => 'savings',
+					'last4'        => '2468',
+				],
+				'expected_result'       => 'Via Savings Account ending in 2468',
+			],
+			'BECS Debit ending in 3579' => [
+				'payment_method_type'   => 'au_becs_debit',
+				'payment_method_fields' => [
+					'last4' => '3579',
+				],
+				'expected_result'       => 'BECS Direct Debit ending in 3579',
+			],
+			'ACSS Debit ending in 4680' => [
+				'payment_method_type'   => 'acss_debit',
+				'payment_method_fields' => [
+					'bank_name' => 'Test Bank',
+					'last4'     => '4680',
+				],
+				'expected_result'       => 'Via Test Bank ending in 4680',
+			],
+			'BACS Debit ending in 5791' => [
+				'payment_method_type'   => 'bacs_debit',
+				'payment_method_fields' => [
+					'last4' => '5791',
+				],
+				'expected_result'       => 'Via Bacs Direct Debit ending in (5791)',
+			],
+			'Amazon Pay with email test@example.com' => [
+				'payment_method_type'   => 'amazon_pay',
+				'payment_method_fields' => [],
+				'expected_result'       => 'Via Amazon Pay (test@example.com)',
+				'additional_fields'     => [
+					'billing_details' => [
+						'email' => 'test@example.com',
+					],
+				],
+			],
+			'Unknown payment method' => [
+				'payment_method_type'   => 'unknown',
+				'payment_method_fields' => [],
+				'expected_result'       => 'N/A',
+			],
+			'Payment method with customer mismatch' => [
+				'payment_method_type'   => 'card',
+				'payment_method_fields' => [
+					'brand' => 'visa',
+					'last4' => '9753',
+				],
+				'expected_result'       => 'N/A',
+				'additional_fields'     => [
+					'customer' => 'cus_other',
+				],
+			],
+		];
+	}
+
 	/**
 	 * Tests for Card brand and last 4 digits are displayed correctly for subscription.
 	 *
 	 * @see WC_Stripe_Subscriptions_Trait::maybe_render_subscription_payment_method()
+	 * @dataProvider provide_test_render_subscription_payment_method_cases
 	 */
-	public function test_render_subscription_payment_method() {
+	public function test_render_subscription_payment_method( string $payment_method_type, array $payment_method_fields, string $expected_result, ?array $additional_fields = null ) {
 		$mock_subscription = WC_Helper_Order::create_order(); // We can use an order as a subscription.
 		$mock_subscription->set_payment_method( 'stripe' );
 
-		$mock_subscription->update_meta_data( '_stripe_source_id', 'src_mock' );
-		$mock_subscription->update_meta_data( '_stripe_customer_id', 'cus_mock' );
-		$mock_subscription->save();
+		static $mock_payment_method_id_counter = 0;
+		$mock_payment_method_id_counter++;
 
-		// This is the key the customer's payment methods are stored under in the transient.
-		$transient_key = WC_Stripe_Customer::PAYMENT_METHODS_TRANSIENT_KEY . 'cardcus_mock';
+		$id_suffix = isset( $payment_method_fields['last4'] ) ? $payment_method_fields['last4'] : (string) $mock_payment_method_id_counter;
+		$mock_payment_method_id = 'pm_mock' . $payment_method_type . '_' . $id_suffix;
 
-		$mock_payment_method       = new stdClass();
-		$mock_payment_method->id   = 'src_mock';
-		$mock_payment_method->type = 'card';
-		$mock_payment_method->card = new stdClass();
-
-		// VISA ending in 4242
-		$mock_payment_method->card->brand = 'visa';
-		$mock_payment_method->card->last4 = '4242';
-
-		set_transient( $transient_key, [ $mock_payment_method ], DAY_IN_SECONDS );
-		$this->assertEquals( 'Via Visa card ending in 4242', $this->gateway->maybe_render_subscription_payment_method( 'N/A', $mock_subscription ) );
+		$mock_subscription->update_meta_data( '_stripe_source_id', $mock_payment_method_id );
+		$mock_subscription->update_meta_data( '_stripe_customer_id', 'cus_mock' );
+		$mock_subscription->save();
 
-		// MasterCard ending in 1234
-		$mock_payment_method->card->brand = 'mastercard';
-		$mock_payment_method->card->last4 = '1234';
+		$mock_payment_method_data = [
+			'id'       => $mock_payment_method_id,
+			'type'     => $payment_method_type,
+			'customer' => 'cus_mock',
+		];
+		$mock_payment_method_data[ $payment_method_type ] = $payment_method_fields;
 
-		set_transient( $transient_key, [ $mock_payment_method ], DAY_IN_SECONDS );
-		$this->assertEquals( 'Via MasterCard card ending in 1234', $this->gateway->maybe_render_subscription_payment_method( 'N/A', $mock_subscription ) );
+		if ( is_array( $additional_fields ) ) {
+			$mock_payment_method_data = array_merge( $mock_payment_method_data, $additional_fields );
+		}
 
-		// American Express ending in 5678
-		$mock_payment_method->card->brand = 'amex';
-		$mock_payment_method->card->last4 = '5678';
+		$expected_url = '/v1/payment_methods/' . $mock_payment_method_id;
 
-		set_transient( $transient_key, [ $mock_payment_method ], DAY_IN_SECONDS );
-		$this->assertEquals( 'Via Amex card ending in 5678', $this->gateway->maybe_render_subscription_payment_method( 'N/A', $mock_subscription ) );
+		// Mock the Stripe API payment method response
+		$mock_payment_method_api = function ( $preempt, $request_args, $url ) use ( $expected_url, $mock_payment_method_data ) {
+			if ( str_ends_with( $url, $expected_url ) ) {
+				$response = [
+					'headers'  => [],
+					'body'     => wp_json_encode( $mock_payment_method_data ),
+					'response' => [
+						'code'    => 200,
+						'message' => 'OK',
+					],
+				];
+				return $response;
+			}
+			return $preempt;
+		};
 
-		// JCB ending in 9012'
-		$mock_payment_method->card->brand = 'jcb';
-		$mock_payment_method->card->last4 = '9012';
+		add_filter( 'pre_http_request', $mock_payment_method_api, 10, 3 );
 
-		set_transient( $transient_key, [ $mock_payment_method ], DAY_IN_SECONDS );
+		$result = $this->gateway->maybe_render_subscription_payment_method( 'N/A', $mock_subscription );
 
-		// Unknown card type
-		$mock_payment_method->card->brand = 'dummy';
-		$mock_payment_method->card->last4 = '0000';
+		remove_filter( 'pre_http_request', $mock_payment_method_api );
 
-		set_transient( $transient_key, [ $mock_payment_method ], DAY_IN_SECONDS );
-		// Card brands that WC core doesn't recognize will be displayed as ucwords.
-		$this->assertEquals( 'Via Dummy card ending in 0000', $this->gateway->maybe_render_subscription_payment_method( 'N/A', $mock_subscription ) );
+		$this->assertEquals( $expected_result, $result );
 	}
 
 	/**