Just adding a bit to the discussion - a billing address is really important when trying to perform any type of fraud prevention. When making a payment request, banks will compare the billing address to the real cardholder's address before declining a payment for fraud reasons.
Furthermore, many eCommerce platforms have been designed with a Billing Address as a minimum requirement for placing an order. Not providing a method to collect it makes the PaymentRequestAPI unsuitable for use on most major eCommerce platforms running on millions of websites.
Also for virtual/digital products, there is no shipping/delivery address, so you'd be inclined to skip the delivery address collection, however how is the merchant supposed to know the address of the customer if that is needed for any reason? This is usually why eCommerce platforms collect a billing address as a minimum, even for virtual products.
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