One of the things I've noticed since working in the payments space are the tribes and the tension/conflict/cooperation/outright hostility ……
The first of these, and longest running is the tension between card schemes and issuer & acquirer banks. Every one wants a piece of the transaction and to take some margin to run their part of the value chain. This becomes a 3 way fight when you add in Merchants who, perhaps understandably, feel the customer is "theirs".