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PayPal plans an ad network built off your purchase history
(www.theregister.com)
This is a most excellent place for technology news and articles.
There really isn't going to be, besides giving them your card directly (or paying crypto🤢). PayPal is less about the software and more about the service, which isn't something FOSS can really replace. An alternative would have to have a company behind it that works with major financial institutes and whatnot.