None of the competitors needed anything like decades. Companies like PayPal, Venmo, Square, etc. had far more usage with a year or two of launch, and nothing li

None of the competitors needed anything like decades. Companies like PayPal, Venmo, Square, etc. had far more usage with a year or two of launch, and nothing like the high percentage of companies who started using them and removed the option because the fraud / benefit ratio was dismal.