PayPal's Competitive Landscape -- Stripe, Block, Apple Pay, and the Fight for Commerce

PayPal holds 47% of the online payments market but faces intensifying competition from every direction: Stripe ($159B valuation, 8% market share), Block/Cash App in P2P and merchant services, Apple Pay in mobile commerce, buy-now-pay-later providers like Klarna and Affirm, and emerging threats from AI-native commerce platforms. Bloomberg even reported Stripe may be interested in acquiring PayPal. This module maps the competitive battlefield so candidates can articulate PayPal's unique advantages and challenges with specificity.