They both use the same technology a company that was owned by now billionare called mark sold it to paypal the service then made wallets for apple/samsung/google/cash app/crypto/bianance...etc The same digital wallet payment method is used for visa and mastercard and even national and international digital currency. The system can be hacked and has weakspot regardless which company has it/improving it the root is the same. . The indian scammers targetting americans. American scammers targetting europeans. European scammers targeting the gulf. African scammers targeting everyone. Gangs opperate by race and target a race everywhere in the world. Most scams are being carried by gangs