Stripe/Paypal already have the billing address of the (credit-card based) customer. They would need to adapt their APIs/checkout flows to enable a nice UX. If t

Stripe/Paypal already have the billing address of the (credit-card based) customer. They would need to adapt their APIs/checkout flows to enable a nice UX. If they don't they expose themselves to increased competition from other solutions that do manage to solve this.