Payment details are required to create a team. Would be more practical to allow people to create teams first before anything else or sign up as a team.
An account usually created by an IT guy but billing handled by someone else, e.g. accounting. Who creates a new DO account doesn't supposed to know the billing details, especially the credit card details. People mostly not going to enter their private payment details (complete separation preferred).
So that one has to create a team first then add a member who enters the card details. Currently user can't create a team while payment data not entered. (This is annoying anyway.)
Accounting is unable to start the creation of a DO account (inability, out of role etc.).
Moreover if the creation case passed to someone else (without the correct link), referral can loose the commission.