We cannot compare the use of cryptocurrency to the e-payments you've mentioned. Just in term of decentralization, the two are different from each other since e-payments are definitely under the control of the government. When it comes to crypto, it is not yet legal for most of the countries unlike the e-payments that is being used considering the pandemic going on. Also, when it comes to volatility, e-payments doesn't have one since the currency being transacted there are just mere fiat. Both are convenient but obviously e-payments would rule more since it is quite required and much more well-known compared to cryptocurrencies.