If you are asking about making a transaction on your mac via Apple Pay, I discovered today that my mac (OS X 10.15.7) caches my email, shipping and other addresses independently with my Apple ID.
This apple support article gave me some clues: https://support.apple.com/en-mide/guide/mac-help/mchl29cac995/10.15/mac/10.15
Go into System Preferences, click the Apple ID icon top right, on its screen click Payment and Shipping in the left sidebar, where you see Apple card click the little button Details... then (after entering your password) you should see the cached billing address. Mine was all wrong, and I cannot change it there.
The text on that dialog/popup says "On an iOS device running iOS 12.2 or later, you can change the payment method for your Apple ID in Settings. On a Mac or PC, use the Mac App Store or iTunes." (Hey apple, iTunes doesn't exist anymore.)
So I logged in to appleid.app.com. In the Payment & Shipping section (scroll down to see it), I see an Edit button. I click it, then I finally my billing address, and it's invalid. But I cannot edit that address. This is a SNAFU.
Finally on my phone, in Settings -> Apple ID -> Payment & Shipping, I simply removed the Apple Card as a payment option. Then went down to the billing address section and suddenly it was editable! Why was it locked when the Apple Card was there? I cannot explain it.