Well you shouldn't have to hand over xpubs, right. Software should be able to let you get a fresh receiving address.
Discussion
I'm not familiar with any standards that would facilitate repeat payments without repeat communication other than xpub. I get paid to xpub when I'm in repeat payment contracts and also pay preferably to such xpubs where I can pay to a new address without having to communicate a new address in the moment of doing payroll for example but it's too cumbersome to expect people new to bitcoin to go that route. If I don't hand over the xpub, each payment needs interaction.
Oh, repeat payment without communication. I was just thinking of p2p payments.