I have a radical idea: the payment app should send its own user data to the user agent to help bootstrap it, if possible. For example, if the payment app has information about a shipping address that the user agent does not have, providing this address to the user agent will let the user see it and interact with it among the other shipping addresses in the user agent.
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https://github.com/w3c/payment-handler/issues/123#issuecomment-349698951