There is no reason at all why epoch/ccbill/etc couldn't set this up. Surfer gets a "verified" account with them, and then they are automatically verified and free to enter any site that happens to bill with them.
Surfer then goes to the site, wants to join, and instead of seeing a normal join page where they have to pull out cc and have to fill out ton of shit, etc, they just do 2 clicks with a mouse and are inside the members areas and the cc on file is automatically billed.
However, this is just a pipe dream because industry billers are a bunch of idiots, hell will freeze over before they ever set up anything innovative.