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.
Yes that is correct. Aside from that, many stores, or even fast food are accepting e-payments. E-payments also provide payment for bills, send money to loved ones, and buy load with rebates while cypto was only accepted at selected stores. Even though both were operated online, still have different usage. Me personally I am just connecting this two for any transactions I needed for easier money transfer.