From here:
In-car charging apps
You might not think of it as an app, but the software inside your EV is perhaps the most fundamental charging app. Your EV’s in-car charging software shares many of the features of public and home EV charging apps, including the ability to find and navigate to public charging stations and manage charging from within your vehicle.
The interior of a modern car showing an app built-in the dashboard.
Because it is built into your car, an in-car app often benefits from a direct data connection to your vehicle’s systems, allowing it to tailor recommendations based on real-time battery information. Beyond the built-in software, many EV manufacturers also offer companion smartphone apps to let you receive information and control charging remotely.
So that's an option, though it doesn't cover payment. Later in the same page:
Payment options
If you want to use your home charging app to also manage your public charging sessions, it’s essential to check what payment options are offered to avoid an unpleasant surprise when trying to charge.
Depending on the app and public charging network, you might be able to link your bank account and have payment taken directly or receive a monthly bill for all your charging.
Some apps can even allow you to pay for charging without an account using your credit or debit card. While more flexible, it’s worth remembering that pay-as-you-go tariffs can often be higher than members’ ones, so creating an account can be worth it if you use public charging frequently.
So an option here might be to get an old smartphone and load it with the apps over your home wifi, then hook them up to your credit/debit card or bank account. Put the phone in your glovebox or someplace when you're taking a longer trip. When you need to charge the car, plug the smartphone into the phone charger in your car, turn it on, use wifi / Bluetooth / NFC to connect to the car charger, and have the appropriate app deduct from your bank account / credit / debit card, then turn it off again.