> Visa, MasterCard, American Express
Add Discover and you essentially have a complete list of credit networks in the US. The other offerings you see are mostly white label products built on top of the usual credit networks.
I wouldn't consider PayPal a competitor since they don't operate a credit network (although they sometimes facilitate money transfers that don't involve the credit networks). Whenever a physical credit card is used in the US, it's almost always the case that one of those four credit networks collects an interchange fee.
Credit cards are already competitive i.e. Visa, MasterCard, American Express. And the payment space is one of the most dynamic and competitive around. Endless amounts of new startups and bigger players in digital payments e.g. PayPal.