Utilize the input text as a context reference, choose the right relationship between Paypal and credit card from the options. Options: 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