Mado, you seem to be struggling with English comprehension. The relevant quote is
PayPal's product is to offer the exact same product to merchants (they charge the merchant the same fees) but to split the repayments over 4 instalments. Effectively they're absorbing all the risk for no additional reward.
In those 2 sentences, there is no comparison between PayPal and Afterpay. The comparison is between PayPal's new "Pay in 4" service and PayPal's current service. It seems clear to me from what I have read is that PayPal will be charging the merchant the same fee whether the customer chooses to "Pay in 4" or not.
Therefore these two sentences are entirely clear in their intention and entirely correct.
