Java generic inheritance "unchecked cast"

I've implemented a simple system of payment processing using java generics. It compiles and works at runtime, but i confused by the "unchecked cast" warning.

enum PaymentType {
    CARD, SAVED_CARD
}

interface PayData {
}

class CardPayData implements PayData {
    private String cardNumber;
    private String cvc;
}

class SavedCardPayData implements PayData {
    private String cardId;
}

interface PayService<T extends PayData> {
    void pay(T payData);
}

class CardPayService implements PayService<CardPayData> {
    @Override
    public void pay(CardPayData cardPayData) {
        // i need concrete class CardPayData here
    }
}

class SavedCardPayService implements PayService<SavedCardPayData> {
    @Override
    public void pay(SavedCardPayData payData) {
        // i need concrete class SavedCardPayData here
    }
}

class PayServiceFactory {
    private CardPayService cardPayService = new CardPayService();
    private SavedCardPayService savedCardPayService = new SavedCardPayService();

    public PayService getService(PaymentType paymentType) {
        if (paymentType.equals(PaymentType.CARD))
            return cardPayService;
        else
            return savedCardPayService;
    }
}

class PaymentProcessor {
    PayServiceFactory payServiceFactory = new PayServiceFactory();

    public void serveRequest(PayData payData, PaymentType paymentType) {
//        here i have 'unchecked cast' warning
        PayService<PayData> payService = (PayService<PayData>) payServiceFactory.getService(paymentType);
        payService.pay(payData);
    }
}

Any attempts to move away from such warning lead me to compiltation errors. For example i've tried to return generic type from my factory method, and received nothing but compilation error:

// return generic
public PayService<? extends PayData> getService(PaymentType paymentType) { ... }

 public void serveRequest(PayData payData, PaymentType paymentType) {
        PayService<? extends PayData> payService =  payServiceFactory.getService(paymentType);
// error here:
// pay (capture <? extends PayData>) in PayService cannot be applied to (PayData)
        payService.pay(payData);
    }