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Assign two standalone Payment Methods during Account creation

Hello,
It would be great to be able to assign two standalone Payment Methods (CC + Bank Transfer) to a Zuora Account, using the sendToZbilling() method or a REST Create Account (with Subscription) call.
This is because more and more Zuora customers want to sell goods and related services this way:
A first invoice, for the goods, should be paid by credit card (less risk of chargeback).
The following invoices should be paid by bank transfer (less fees, doesn't expire, etc.)
The Zuora customers only want to create the Account if the 2 standalone Payment Methods are already created successfully. Unfortunately, it is not currently possible to refer to 2 standalone Payment Methods in a sendToZbilling() method or REST Create Account call.
Thanks
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- paymentmethod
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