Given phrases that describe the relationship between two words/phrases as options, extract the word/phrase pair and the corresponding lexical relationship between them from the input text. The output format should be "relation1: word1, word2; relation2: word3, word4". 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: Paypal, credit card