Where payment options are concerned, VISA/Mastercard branded debit cards are the exact same thing as credit cards. And in many countries, the average citizen has neither. They may have a debit card that's part of some national payment network, they may be used to buying stuff online via their mobile phone account, or in cash at their corner convenience store, or via wire transfer from their bank account.
Paypal allows payment via a MANY such schemes you have never heard about. That is their USP, and something no startup can easily "disrupt".
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