I've used PayPay a lot over decades, starting with when they were mainly a way of paying on eBay, but I haven't thought of them as "making the rest of the web an alternative to Amazon". Perhaps that's because PayPal didn't achieve the same market penetration. Or because I didn't perceive them as providing the same level of service, or ease of use — for example, they haven't made shipping as easy (or if they have, I'm not aware of it).

And no, my post is not an "ad" *eyeroll*. There seem to be several competitors active in a maturing ecosystem. I don't have experience with them them to the level that I'd feel comfortable citing them, but I regret not mentioning them if it would have made the point more effectively. If PayPal, or Google Pay, or some other provider has served that role for you, I'm glad.