Is anyone using payment instruments? We recently turned it on but we're getting issues with the payment instrument address vs billing address. Where if a customer enters a new credit card it is inheriting either the customers default billing address or whichever billing address is already selected in checkout and setting the zip and street on the payment instrument record. There aren't any fields on the credit card form in sca to change these and then that payment instrument is becoming unusable because it's throwing an "Address or zip does not match" error even if in the next step you enter the correct billing address.

I'm testing Payment Instruments (and Payment Link) in my Sandbox account currently. So you have me curious.... On my payment method area in the User Interface I can see there is no zip field. So I am assuming it will inherit the billing zip from the customer's default billing zip. Which seems OK to me -- but perhaps your use case is different. In my checkout (which is SiteBuilder with SCA style Reference Checkout) the payment is the final step, so my customer's can change their billing / shipping information before entering and submitting their payment card info for an auth.

Yeah so if I were to do a billing first checkout flow it would probably be fine for the most part, but we have been and want to continue to use one page checkout. So when I add a new card like this, the payment instrument record is created and the street and zip are being populated with the selected billing address. Then when I go to enter and select the correct billing address it never updates the payment instrument it will just always fails the validation.

Yes, I can see how that would definitely lead to issues / confusion / stumbling point. I think not being on SCA, I don't even have the one-page checkout option, so I hadn't really thought of this. I hope someone else can shed some light on this for you.

In my testing, even if there is data set on the payment instrument record, the billing address is what is pulled for the request to the payment processor. That might vary by payment processor implementation but those fields don't seem to be considered in submit.