Visa just killed SPT?, page-77

I think we all just need to calm down and take a deep breath. is SPT realllly dead because Visa is doing split payment trials in Russia and will attempt roll out in 2020?
The last I heard SPT just landed a massive deal with an online retailer.
and don't 17% interest payments still loom if you miss your visa split installments with visa?
what about all those who don't use credit cards and use debit cards to buy?
I think everyone serious about investing into this company at the right time just needs to do some more looking into the addressable market. what's it's size, at what rate can SPT grow into this market, does the SP reflect a fair value for this potential?
at 100M market cap SPT right now it looks ok. I will admit I'd be surprised if it kept falling past around these levels, which would indicate that the market is assessing SPT as though doesn't have any decent growth (at least 20% quarterly revenue growth) left in it because of this visa announcement!