Editor's note : Guest author Ohad Samet is an expert in managing fraud and other risks in payments systems. He was previously a senior manager at PayPal and blogs at As Risky At It Gets . We hear a lot of chatter about new payment services, and who's competing in the space, and obviously who'll win the space or own a big piece of it. Lately we've seen some movement when both Apple and Google announced new payment options for digital publishers and exchanged a few blows . So are the giants going to displace PayPal soon?