Welcome to Shopify Community. My name is Olivia and I work here.
Thanks for sharing your question with our network. At this time, payment information is gathered in the last step of the Shopify checkout process to ensure the correct taxes and shipping charges are applied.
This is a usual checkout flow:
Based on this, the default checkout is already set up to meet your needs. If I have misunderstood what you are looking for, or if you're looking to achieve something else, then please don't hesitate to clarify further for me. Make sure to include any examples or screenshots that you can to help me understand your request.
I look forward to connecting,