This might not help you OP, but alternative to VISA and Mastercard is UPI. India and some south east asian countries use that for transactions rapidly. Also India also built Rupay (not the currency) to break visa and mastercards duopoly.

This isn’t a freebie. Its the same “try this amazing thingie and now try it with shit tons of ads in three months”

The fact that google can have a monopoly of their own services pre installed is cause of concern for the future.