I presumed you meant international as in more than their home-base nation whatever it may be. I think it's possible to start a Paypal competitor for just Germa

I presumed you meant international as in more than their home-base nation whatever it may be. I think it's possible to start a Paypal competitor for just Germany, then grow from there. But it'd be far more difficult to start a Paypal competitor that targets all of the EU.