> Maybe if I want to send my friend $5 Paypal or whatever can do that, but what fintech is actually taking market share from them at merchants? UPI, Pix, FedNo

> Maybe if I want to send my friend $5 Paypal or whatever can do that, but what fintech is actually taking market share from them at merchants? UPI, Pix, FedNow and many others make direct payment much easier. In Brazil is now more common to accept Pix and not accept credit card than the opposite, although almost everywhere accepts card. But literally everywhere accepts Pix (and every app that uses it).