Haha there's a resemblance in names but the products are very different.

PumaPay was basically an alternative payment protocol. It redesigned the way payments are done so retailers would pull money from consumers.

SpotPay is like a payment gateway. Whenever you shop, you deal with something called a payment gateway; it basically processes the sale. SpotPay processes crypto payments as they can sold be at market rates on the exchange and immediately provide fiat for the purchase.