diff --git a/changelog.txt b/changelog.txt
index 1d3aeb624d..58169aab5d 100644
--- a/changelog.txt
+++ b/changelog.txt
@@ -3,6 +3,7 @@
 = 10.1.0 - xxxx-xx-xx =
 * Dev - Renames previous Order Helper class methods to use the `_id` suffix
 * Dev - Expands the Stripe Order Helper class to handle customer ID, card ID, UPE payment type, and UPE redirect status metas
+* Fix - Use user, WooCommerce customer, and submitted fields to build Stripe customer data
 
 = 10.0.0 - 2025-10-14 =
 * Update - Removes frontend code related to Payment Request Buttons in the checkout page
diff --git a/includes/class-wc-stripe-customer.php b/includes/class-wc-stripe-customer.php
index ec5bab0d42..55f8b3eba4 100644
--- a/includes/class-wc-stripe-customer.php
+++ b/includes/class-wc-stripe-customer.php
@@ -134,12 +134,24 @@ public function set_user_id( $user_id ) {
 	/**
 	 * Get user object.
 	 *
-	 * @return WP_User
+	 * @return WP_User|false
 	 */
 	protected function get_user() {
 		return $this->get_user_id() ? get_user_by( 'id', $this->get_user_id() ) : false;
 	}
 
+	/**
+	 * Get the current WooCommerce customer object.
+	 */
+	protected function get_wc_customer(): ?WC_Customer {
+		$wc_customer = WC()->customer;
+		if ( $wc_customer instanceof WC_Customer ) {
+			return $wc_customer;
+		}
+
+		return null;
+	}
+
 	/**
 	 * Store data from the Stripe API about this customer
 	 */
@@ -153,8 +165,19 @@ public function set_customer_data( $data ) {
 	 * @param  array $args Additional arguments (optional).
 	 * @return array
 	 */
-	protected function generate_customer_request( $args = [] ) {
-		$user = $this->get_user();
+	public function generate_customer_request( $args = [] ) {
+		$user        = $this->get_user();
+		$wc_customer = $this->get_wc_customer();
+
+		if ( ! is_array( $args ) ) {
+			$args = [];
+		}
+
+		$billing_first_name = '';
+		$billing_last_name  = '';
+		$email              = '';
+		$username           = '';
+
 		if ( $user ) {
 			$billing_first_name = get_user_meta( $user->ID, 'billing_first_name', true );
 			$billing_last_name  = get_user_meta( $user->ID, 'billing_last_name', true );
@@ -169,50 +192,79 @@ protected function generate_customer_request( $args = [] ) {
 				$billing_last_name = get_user_meta( $user->ID, 'last_name', true );
 			}
 
-			$email = $user->user_email;
+			$email    = $user->user_email;
+			$username = $user->user_login;
+		}
 
-			// If the user email is not set, use the billing email.
-			if ( empty( $email ) ) {
-				$email = $this->get_billing_data_field( 'billing_email', $args );
+		if ( $wc_customer ) {
+			if ( empty( $billing_first_name ) ) {
+				$billing_first_name = $wc_customer->get_first_name();
 			}
 
-			// translators: %1$s First name, %2$s Second name, %3$s Username.
-			$description = sprintf( __( 'Name: %1$s %2$s, Username: %3$s', 'woocommerce-gateway-stripe' ), $billing_first_name, $billing_last_name, $user->user_login );
+			if ( empty( $billing_last_name ) ) {
+				$billing_last_name = $wc_customer->get_last_name();
+			}
 
-			$defaults = [
-				'email'       => $email,
-				'description' => $description,
-			];
+			if ( empty( $email ) ) {
+				$email = $wc_customer->get_email();
+			}
 
-			$billing_full_name = trim( $billing_first_name . ' ' . $billing_last_name );
-			if ( ! empty( $billing_full_name ) ) {
-				$defaults['name'] = $billing_full_name;
+			if ( empty( $username ) ) {
+				$username = $wc_customer->get_username();
 			}
-		} else {
-			$billing_email      = $this->get_billing_data_field( 'billing_email', $args );
+		}
+
+		// If the fields are not set yet, try getting the data directly from the incoming POST data or order context.
+		if ( empty( $email ) ) {
+			$email = $this->get_billing_data_field( 'billing_email', $args );
+		}
+
+		if ( empty( $billing_first_name ) ) {
 			$billing_first_name = $this->get_billing_data_field( 'billing_first_name', $args );
-			$billing_last_name  = $this->get_billing_data_field( 'billing_last_name', $args );
+		}
+
+		if ( empty( $billing_last_name ) ) {
+			$billing_last_name = $this->get_billing_data_field( 'billing_last_name', $args );
+		}
 
+		if ( empty( $username ) ) {
 			// translators: %1$s First name, %2$s Second name.
 			$description = sprintf( __( 'Name: %1$s %2$s, Guest', 'woocommerce-gateway-stripe' ), $billing_first_name, $billing_last_name );
+		} else {
+			// translators: %1$s First name, %2$s Second name, %3$s Username.
+			$description = sprintf( __( 'Name: %1$s %2$s, Username: %3$s', 'woocommerce-gateway-stripe' ), $billing_first_name, $billing_last_name, $username );
+		}
 
-			$defaults = [
-				'email'       => $billing_email,
-				'description' => $description,
-			];
+		$defaults = [
+			'email'       => $email,
+			'description' => $description,
+		];
 
-			$billing_full_name = trim( $billing_first_name . ' ' . $billing_last_name );
-			if ( ! empty( $billing_full_name ) ) {
-				$defaults['name'] = $billing_full_name;
-			}
+		$billing_full_name = trim( $billing_first_name . ' ' . $billing_last_name );
+		if ( ! empty( $billing_full_name ) ) {
+			$defaults['name'] = $billing_full_name;
 		}
 
 		$metadata                      = [];
 		$defaults['metadata']          = apply_filters( 'wc_stripe_customer_metadata', $metadata, $user );
 		$defaults['preferred_locales'] = $this->get_customer_preferred_locale( $user );
 
-		// Add customer address default values.
-		$address_fields = [
+		$defaults['address'] = $this->generate_customer_address_fields( $args, $user, $wc_customer );
+
+		return wp_parse_args( $args, $defaults );
+	}
+
+	/**
+	 * Helper function to build the address fields for the customer request.
+	 *
+	 * @param array            $args        Additional arguments.
+	 * @param WP_User|false    $user        The user object or false.
+	 * @param WC_Customer|null $wc_customer The WooCommerce customer object or null.
+	 *
+	 * @return array The address fields.
+	 */
+	private function generate_customer_address_fields( array $args, $user, ?WC_Customer $wc_customer ): array {
+		$address_field_map = [
 			'line1'       => 'billing_address_1',
 			'line2'       => 'billing_address_2',
 			'postal_code' => 'billing_postcode',
@@ -220,15 +272,31 @@ protected function generate_customer_request( $args = [] ) {
 			'state'       => 'billing_state',
 			'country'     => 'billing_country',
 		];
-		foreach ( $address_fields as $key => $field ) {
+
+		$address_fields = [];
+
+		foreach ( $address_field_map as $key => $field ) {
+			$value = '';
+
 			if ( $user ) {
-				$defaults['address'][ $key ] = get_user_meta( $user->ID, $field, true );
-			} else {
-				$defaults['address'][ $key ] = $this->get_billing_data_field( $field, $args );
+				$value = get_user_meta( $user->ID, $field, true );
+				if ( null === $value ) {
+					$value = '';
+				}
 			}
+
+			if ( '' === $value && $wc_customer && method_exists( $wc_customer, 'get_' . $field ) ) {
+				$value = $wc_customer->{ 'get_' . $field }();
+			}
+
+			if ( '' === $value ) {
+				$value = $this->get_billing_data_field( $field, $args );
+			}
+
+			$address_fields[ $key ] = $value;
 		}
 
-		return wp_parse_args( $args, $defaults );
+		return $address_fields;
 	}
 
 	/**
@@ -343,7 +411,7 @@ function ( $field_data ) {
 	 *
 	 * @return string
 	 */
-	private function get_billing_data_field( $field, $args = [] ) {
+	protected function get_billing_data_field( $field, $args = [] ) {
 		$valid_fields = [
 			'billing_email',
 			'billing_first_name',
diff --git a/readme.txt b/readme.txt
index 92b39ba858..c3568d38ab 100644
--- a/readme.txt
+++ b/readme.txt
@@ -113,5 +113,6 @@ If you get stuck, you can ask for help in the [Plugin Forum](https://wordpress.o
 = 10.1.0 - xxxx-xx-xx =
 * Dev - Renames previous Order Helper class methods to use the `_id` suffix
 * Dev - Expands the Stripe Order Helper class to handle customer ID, card ID, UPE payment type, and UPE redirect status metas
+* Fix - Use user, WooCommerce customer, and submitted fields to build Stripe customer data
 
 [See changelog for full details across versions](https://raw.githubusercontent.com/woocommerce/woocommerce-gateway-stripe/trunk/changelog.txt).
diff --git a/tests/phpunit/WC_Stripe_Customer_Test.php b/tests/phpunit/WC_Stripe_Customer_Test.php
index 422e06ab7a..83cdde48af 100644
--- a/tests/phpunit/WC_Stripe_Customer_Test.php
+++ b/tests/phpunit/WC_Stripe_Customer_Test.php
@@ -345,6 +345,8 @@ public function test_validate_create_customer_request(
 
 			// Reset checkout fields, otherwise they persist across test cases.
 			\WC_Checkout::instance()->checkout_fields = null;
+			// Reset WC Customer, otherwise it also persists across test cases.
+			\WC()->customer = null;
 		}
 
 		if ( null !== $expected_exception_message && ! $was_exception_thrown ) {
@@ -355,4 +357,228 @@ public function test_validate_create_customer_request(
 			$this->assertFalse( $was_exception_thrown, 'No exception was thrown when no exception was expected' );
 		}
 	}
+
+	public function provide_test_generate_customer_request_cases(): array {
+		return [
+			'all data present in expected user and user meta fields' => [
+				'user_data'      => [
+					'ID'         => 12345,
+					'user_email' => 'test@example.com',
+					'user_login' => 'testuser',
+				],
+				'user_meta_data' => [
+					'billing_first_name' => 'John',
+					'billing_last_name'  => 'Doe',
+					'billing_address_1'  => '123 Main St',
+					'billing_address_2'  => 'Apt 4B',
+					'billing_city'       => 'Anytown',
+					'billing_state'      => 'CA',
+					'billing_postcode'   => '98765',
+					'billing_country'    => 'US',
+				],
+				'wc_customer_data' => null,
+				'billing_data'     => null,
+				'expected' => [
+					'email'             => 'test@example.com',
+					'description'       => 'Name: John Doe, Username: testuser',
+					'name'              => 'John Doe',
+					'metadata'          => [],
+					'preferred_locales' => [ 'en-US' ],
+					'address' => [
+						'line1'       => '123 Main St',
+						'line2'       => 'Apt 4B',
+						'postal_code' => '98765',
+						'city'        => 'Anytown',
+						'state'       => 'CA',
+						'country'     => 'US',
+					],
+				],
+			],
+			'all data present in expected wc customer fields' => [
+				'user_data'      => null,
+				'user_meta_data' => null,
+				'wc_customer_data' => [
+					'get_first_name'        => 'John',
+					'get_last_name'         => 'Doe',
+					'get_email'             => 'test@example.com',
+					'get_username'          => 'testuser',
+					'get_billing_address_1' => '123 Main St',
+					'get_billing_address_2' => 'Apt 4B',
+					'get_billing_city'      => 'Anytown',
+					'get_billing_state'     => 'CA',
+					'get_billing_postcode'  => '98765',
+					'get_billing_country'   => 'US',
+				],
+				'billing_data'     => null,
+				'expected' => [
+					'email'             => 'test@example.com',
+					'description'       => 'Name: John Doe, Username: testuser',
+					'name'              => 'John Doe',
+					'metadata'          => [],
+					'preferred_locales' => [ 'en-US' ],
+					'address' => [
+						'line1'       => '123 Main St',
+						'line2'       => 'Apt 4B',
+						'postal_code' => '98765',
+						'city'        => 'Anytown',
+						'state'       => 'CA',
+						'country'     => 'US',
+					],
+				],
+			],
+			'all data present in expected billing data fields' => [
+				'user_data'        => null,
+				'user_meta_data'   => null,
+				'wc_customer_data' => null,
+				'billing_data'     => [
+					'billing_email'      => 'test@example.com',
+					'billing_first_name' => 'John',
+					'billing_last_name'  => 'Doe',
+					'billing_address_1'  => '123 Main St',
+					'billing_address_2'  => 'Apt 4B',
+					'billing_city'       => 'Anytown',
+					'billing_state'      => 'CA',
+					'billing_postcode'   => '98765',
+					'billing_country'    => 'US',
+				],
+				'expected' => [
+					'email'             => 'test@example.com',
+					'description'       => 'Name: John Doe, Guest',
+					'name'              => 'John Doe',
+					'metadata'          => [],
+					'preferred_locales' => [ 'en-US' ],
+					'address' => [
+						'line1'       => '123 Main St',
+						'line2'       => 'Apt 4B',
+						'postal_code' => '98765',
+						'city'        => 'Anytown',
+						'state'       => 'CA',
+						'country'     => 'US',
+					],
+				],
+			],
+			'data present across multiple sources' => [
+				'user_data'      => [
+					'ID'         => 12345,
+					'user_email' => 'test@example.com',
+				],
+				'user_meta_data' => [
+					'billing_last_name'  => 'Doe',
+					'billing_address_1'  => '321 Main St',
+					'billing_postcode'   => '98765',
+				],
+				'wc_customer_data' => [
+					'get_first_name'        => 'Jane',
+					'get_username'          => 'testuser',
+					'get_billing_address_2' => 'Apt 4B',
+					'get_billing_city'      => 'Anytown',
+				],
+				'billing_data'     => [
+					'billing_state'   => 'CA',
+					'billing_country' => 'US',
+				],
+				'expected' => [
+					'email'             => 'test@example.com',
+					'description'       => 'Name: Jane Doe, Username: testuser',
+					'name'              => 'Jane Doe',
+					'metadata'          => [],
+					'preferred_locales' => [ 'en-US' ],
+					'address' => [
+						'line1'       => '321 Main St',
+						'line2'       => 'Apt 4B',
+						'postal_code' => '98765',
+						'city'        => 'Anytown',
+						'state'       => 'CA',
+						'country'     => 'US',
+					],
+				],
+			],
+		];
+	}
+
+	/**
+	 * @dataProvider provide_test_generate_customer_request_cases
+	 */
+	public function test_generate_customer_request( ?array $user_data, ?array $user_meta_data, ?array $wc_customer_data, ?array $billing_data, array $expected ) {
+
+		$stripe_customer = $this->getMockBuilder( \WC_Stripe_Customer::class )
+			->disableOriginalConstructor()
+			->onlyMethods(
+				[
+					'get_user',
+					'get_wc_customer',
+					'get_billing_data_field',
+				]
+			)
+			->getMock();
+
+		$user_return_value = false;
+		if ( is_array( $user_data ) ) {
+			if ( ! isset( $user_data['ID'] ) ) {
+				$user_data['ID'] = 12345;
+			}
+			$user_return_value = new \WP_User( (object) $user_data );
+
+		}
+		$stripe_customer->method( 'get_user' )->willReturn( $user_return_value );
+
+		$user_meta_filter = null;
+		if ( is_array( $user_meta_data ) ) {
+			$user_meta_filter = function ( $user_meta_value, $user_id, $meta_key, $single ) use ( $user_meta_data ) {
+				if ( $single && isset( $user_meta_data[ $meta_key ] ) ) {
+					return $user_meta_data[ $meta_key ];
+				}
+				return $user_meta_value;
+			};
+			add_filter( 'get_user_metadata', $user_meta_filter, 10, 4 );
+		}
+
+		$wc_customer_return_value = null;
+		if ( is_array( $wc_customer_data ) ) {
+			$mock_wc_customer = $this->getMockBuilder( \WC_Customer::class )
+				->disableOriginalConstructor()
+				->onlyMethods( array_keys( $wc_customer_data ) )
+				->getMock();
+
+			foreach ( $wc_customer_data as $key => $value ) {
+				$mock_wc_customer->method( $key )
+					->willReturn( $value );
+			}
+
+			$wc_customer_return_value = $mock_wc_customer;
+		}
+
+		$stripe_customer->method( 'get_wc_customer' )
+			->willReturn( $wc_customer_return_value );
+
+		$billing_data_callback = function ( $field, $args ) use ( $billing_data ) {
+			if ( is_array( $billing_data ) && isset( $billing_data[ $field ] ) ) {
+				return $billing_data[ $field ];
+			}
+			return '';
+		};
+
+		$stripe_customer->method( 'get_billing_data_field' )
+			->will( $this->returnCallback( $billing_data_callback ) );
+
+		$customer_request = $stripe_customer->generate_customer_request( [] );
+
+		if ( null !== $user_meta_filter ) {
+			remove_filter( 'get_user_metadata', $user_meta_filter, 10 );
+		}
+
+		$this->assertCount( count( $expected ), $customer_request );
+		foreach ( $expected as $key => $value ) {
+			$this->assertArrayHasKey( $key, $customer_request );
+			if ( is_array( $value ) ) {
+				$this->assertCount( count( $value ), $customer_request[ $key ] );
+				foreach ( $value as $sub_key => $sub_value ) {
+					$this->assertArrayHasKey( $sub_key, $customer_request[ $key ] );
+					$this->assertEquals( $sub_value, $customer_request[ $key ][ $sub_key ] );
+				}
+			} else {
+				$this->assertEquals( $value, $customer_request[ $key ] );
+			}
+		}
+	}
 }