It probably comes down to how many have actually added their cards to GPay and Apple pay, best to experiment and check if adding paypal improves your conversions
Hyperswitch is free to use for the first 10k transactions of the month. After that it costs $0.04 per transaction. It is a payment switch that comes pre integrated with major processors. So as a merchant your business relationship with processors like Stripe or Adyen remains the same
(I'm affiliated with this product)
I think there is a strong relationship between the average ticket size and payment experience. It is almost like it is the user's problem if the ticket size is high (hence the website need not necessarily invest in creating a good payment experience). Something like insurance websites.
The ones that really seem to think about the payment experience are the ones that have low to medium average ticket size and high transaction volumes. It is in the website's best interest to ensure each and every transaction goes through