IAP is not user friendly

Ok everyone - forgive my english. But, this problem i'm about to describe is a huge one that needs apple attention.

Apple makes it extremely hard to use third party options for In App Purchase. That is fine, but IAP causes more frictions then satisfactions for users. Here's why. Nowadays, a lot of apps are B2C to B2B. IAP is geared toward someone checking out the premium features for personal use, but in reality - a lot of what's happening now is a user is checking out the premium that the app is offering for business usage. Meaning they need to checkout with a business card, but at checking out IAP does not allow a user to switch their payment method. You could argue that they can do it in their phone settings, but that is such a poor UX because the user will have to remember to switch out payment every time they are checking out personal vs business premiums access within an app.

Google Pay understands this problem very early on and hence they solve it by allowing a user to switch out payment at check out. Why can't IAP allow the same? In my case, i have to check out for a premium subscription within an app for my job. I have a business card to use and it creates so much financial issues, because i'm enslave to have to remember every single month to re-order payments methods in my phone settings so that my personal subscriptions can go under my personal card and business can go under business card. It's very very unfortunate that apple has not fix this. It's creating more frictions for their users, while the whole vision behind IAP is to reduce frictions. I attach a picture bellow on how easy google pay made this process for their users.

Thanks for reading and really sorry about my english. 5th Language!