条带API有效负载格式问题

我试图在我的python应用程序中集成stripe API,因此不使用python stripe库,而仅使用stripe API端点。我面临的问题是有效负载,尤其是在发送数组或嵌套字典时,如下所示:

def create_payment_intent(api_key, authorized_amt):
headers = {
    "Authorization": f"Bearer {api_key}",
    "Content-Type": "application/x-www-form-urlencoded",
}
payload = {
    "amount": authorized_amt,
    "currency": "usd",
    "capture_method": "manual",
    "payment_method_types": ["card"],
}
res = requests.request(
    "POST", url=PAYMENT_INTENT_URL, data=payload, headers=headers
)
payment_intent = res.json()
return payment_intent

当我运行此程序时,会出现以下错误:

{'error': {'message': 'Invalid array', 'param': 'payment_method_types', 'request_log_url': 'https://dashboard.stripe.com/test/logs/req_r9TIQ1wnYF8Gi4?t=1699501606', 'type': 'invalid_request_error'}}

但当我像下面这样更改它的格式时,它就起作用了:

"payment_method_types[]": "card"

这对对象也是一样的,我必须像下面这样发送才能使其工作:

  payload= {
   "card[number]": 4242424242424242,
    "card[exp_month]": 12,
    "card[exp_year]": 2034,
    "card[cvc]": 999
   }

为什么是这样?