Firstly, I am sure that Russia will not be disconnected from these payment systems! Because the Russian economy on a global scale is not as small as Western countries declare.
Secondly, there really are alternatives! Both Chinese and Russian systems.
Thirdly, only stupid fools believe that Russia is afraid of any kind of sanctions! And these same fools, of course, do not see that sanctions and bans can somewhat delay in time, but not stop the development of Russia. For example, as with an airplane, when the United States banned the supply of composites and prepregs to Russia. Yes, the program for the creation of the MC21 aircraft has shifted by 1.5 - 2 years, but it has not stopped. Now Russia has its own factories for the production of composites of the highest quality, wings are made from them and the plane is already flying on composites made in Russia!
For Russia's agricultural production, Western sanctions even proved to be very useful! Today Russia is an agricultural superpower power! In 2021, Russia sold agricultural products worth almost five times the export of weapons.
So that the beauty will spread her legs in front of Putin and even kiss his ass, you don't have to worry about it.