paypal enters the market, page-6

This is the ONLY reason why I've chosen OPY as a BNPL player. I hold no other. It has diversified into a B2B platform which no other market entrant is offering, and those revenues will be realised in next year's results (WOW + Pentana). Most other BNPL stocks are being hammered today based on the "get while the gettin's good" profit taker quip.
I have a PayPal account and I've used it 3 times in the last 4 years, only when I can't use another payment option. I wouldn't worry about this at all, unless you hold one of the others who are really only in the payments game.