Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

We at Painless Processing don’t believe that legislative efforts will disrupt the credit card industry but rather technologies like Apple Pay, Paypal and other solutions will drive fees down for business and lead to less rewards for consumers.

Answer: product_or_material_produced: Paypal, credit card