The backend of electronic payment is a huge mess of microservices, and lots of those services has portions of infra shared with Visa/Mastercard. So whichever alternative service you use is likely vulnerable to the same pressure.

The point is to cut MasterCard and Visa out of the loop entirely. Payment systems in many countries don't have them as intermediary. Payments in China work perfectly well without them. Or in Germany. Even Poland has widely used alternative payment scheme. With future European digital currency a lot of commerce will be done completely without any involvement from Visa and MasterCard.