Naming the competitors is irrelevant. What is relevant is that these states are not procuring contract services with a competitive process.

In other payment related areas where honest procurement happens, there are a number of companies in the market -- for example welfare EBT card systems are managed nationwide by 5-7 different large payment processors.

Sounds to me that JPay found a loophole in contract law that allowed them to burrow into the bureaucracy. Once a vendor digs in as an incumbent, it's hard to dislodge them.