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You don't in Europe. Regulation now requires contactless payment for chargers. Even Tesla's new chargers support contactless payment with no Tesla account or app:

https://www.youtube.com/shorts/yflZN0dLT8s

CCS also supports plug and charge if you want to set up automatic payments via your car. Even works in North America:

https://www.youtube.com/watch?v=9BgWBPfmefE

That might happen if the car makers could charge a 30 percent commissions from the EV charging companies.

You just described how Tesla supercharging works.