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Payment Information Storage for Customer Community User

What’s the best way to store Payment Information for your Customer Community Users?
Customer community user would like to store different Credit Card info. for future payments. Just the way we as users store different credit cards @ Amazon.com. What’s the best way to incorporate this requirement?
I am thinking of having a custom Object related to Account that can carry different card information. Any better solution?
There is something called “Payment Methods” in Salesforce. As per my research this comes under Salesforce Billing, which would need a CPQ License. Is my understanding correct here?