diff --git a/crates/hyperswitch_domain_models/src/payment_address.rs b/crates/hyperswitch_domain_models/src/payment_address.rs
index d4f2cf9f350f..548dd0c54166 100644
--- a/crates/hyperswitch_domain_models/src/payment_address.rs
+++ b/crates/hyperswitch_domain_models/src/payment_address.rs
@@ -53,6 +53,7 @@ impl PaymentAddress {
     }
 
     /// Unify the billing details from `payment_method_data.[payment_method_data].billing details`.
+    /// Here the fields passed in payment_method_data_billing takes precedence
     pub fn unify_with_payment_method_data_billing(
         self,
         payment_method_data_billing: Option<Address>,
@@ -72,6 +73,29 @@ impl PaymentAddress {
         }
     }
 
+    /// Unify the billing details from `payment_method_data.[payment_method_data].billing details`.
+    /// Here the `self` takes precedence
+    pub fn unify_with_payment_data_billing(
+        self,
+        other_payment_method_billing: Option<Address>,
+    ) -> Self {
+        let unified_payment_method_billing = self
+            .get_payment_method_billing()
+            .map(|payment_method_billing| {
+                payment_method_billing
+                    .clone()
+                    .unify_address(other_payment_method_billing.as_ref())
+            })
+            .or(other_payment_method_billing);
+
+        Self {
+            shipping: self.shipping,
+            billing: self.billing,
+            unified_payment_method_billing,
+            payment_method_billing: self.payment_method_billing,
+        }
+    }
+
     pub fn get_request_payment_method_billing(&self) -> Option<&Address> {
         self.payment_method_billing.as_ref()
     }
diff --git a/crates/router/src/core/payments/transformers.rs b/crates/router/src/core/payments/transformers.rs
index 9182bf936068..24f5ffdca9a7 100644
--- a/crates/router/src/core/payments/transformers.rs
+++ b/crates/router/src/core/payments/transformers.rs
@@ -42,7 +42,7 @@ pub async fn construct_payment_router_data<'a, F, T>(
     payment_data: PaymentData<F>,
     connector_id: &str,
     merchant_account: &domain::MerchantAccount,
-    _key_store: &domain::MerchantKeyStore,
+    key_store: &domain::MerchantKeyStore,
     customer: &'a Option<domain::Customer>,
     merchant_connector_account: &helpers::MerchantConnectorAccountType,
     merchant_recipient_data: Option<types::MerchantRecipientData>,
@@ -135,6 +135,26 @@ where
         Some(merchant_connector_account),
     );
 
+    let unified_address =
+        if let Some(payment_method_info) = payment_data.payment_method_info.clone() {
+            let payment_method_billing =
+                crate::core::payment_methods::cards::decrypt_generic_data::<Address>(
+                    state,
+                    payment_method_info.payment_method_billing_address,
+                    key_store,
+                )
+                .await
+                .attach_printable("unable to decrypt payment method billing address details")?;
+            payment_data
+                .address
+                .clone()
+                .unify_with_payment_data_billing(payment_method_billing)
+        } else {
+            payment_data.address
+        };
+
+    crate::logger::debug!("unified address details {:?}", unified_address);
+
     router_data = types::RouterData {
         flow: PhantomData,
         merchant_id: merchant_account.get_id().clone(),
@@ -147,7 +167,7 @@ where
         connector_auth_type: auth_type,
         description: payment_data.payment_intent.description.clone(),
         return_url: payment_data.payment_intent.return_url.clone(),
-        address: payment_data.address.clone(),
+        address: unified_address,
         auth_type: payment_data
             .payment_attempt
             .authentication_type