You can't easily disrupt it because it's a two-sided marketplace between consumers and payment providers.

You could launch a Stripe competitor called CheapPayments but it would still have to pay standard Visa/etc processing fees so it can't be cheaper than Stripe.

You could launch a Visa competitor called CheapCard that has half the processing fees of Visa, but no merchants or payment processors would take CheapCard so people would continue using Visa.