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The Saved Credit Card feature allows only to save credit cards by user profile.
We have a business case for a customer which is to have a "Point of Sale" user that can access multiple customers. The Point of Sale needs to be able to submit orders with the customer's credit card information without having to ask each time the credit card number. This includes the CVV digits which are normally asked each time with TokenEx implementation. We would require that the CVV are not required to fill for a saved credit card.
Also, it would not be safe to stock all credit cards from all of its different customer under the point of sale user profile.
Therefore, if a saved credit card could be "shared" or saved for a specific bill-to customer (by a setting or field set in the UserPaymentProfile record), than all the web site users that have access to this customer could submit orders using the same saved credit card information (and edit as well if needed the saved profile).