Ummmm.

ACH is how you get your paycheck, and it’s being updated to FedNow.

Zelle is an independent network as well.

And of course, there is Discover and AmEx.

There is also cash, check, money order. They still work today, just people largely forgot how to use them.

IIRC some Brazilian network was getting very popular off of this. If you want to look at non-US options.

There are plenty of competitors to Visa/Mastercard/Paypal.