Reason:
-There is no service charge for HSBC Payme, but there is a limitation of the amount you can transfer.
-Payme system is not as secure/safe/stable as you thought, so I think Payme can hardly beat the giant Paypal (This is real money, everyone wants to be safe)
-Payme will be defeated by FPS(Faster Payment System from HK Monetary Authority) as the later allow the transfer of money between different banks within one system instead of Payme only allow the transfer within HSBC. (FPS also doesn't charge commission for the services)I don't think so.
Reason:
-There is no service charge for HSBC Payme, but there is a limitation of the amount you can transfer.
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