You seem to be working on the assumption that everything has to be toggled or nothing. What we did was to collect the additional information for everyone (its a low risk change after all), and then slowly roll out the new payment API, starting with staff, then friends & family, and finally doing a phased rollout to customers.

Feature toggling not only allowed us to roll it out, but also to rapidly roll it back to deal with issues, and resulted in a very smooth implementation of a feature that had potential to directly affect revenue.