For online payments instant payments are actually not that important requirements. The process needs to happen just fluently from customers perspective. If the merchant is dispatching physical items, he can just wait for the transaction to confirm and dispatch the items after that. The customer won't see much difference because the biggest issue is the shipping time.
For online payments bitcoin works quite well. Still credit cards are often better for the consumer, because of the consumer protection (chargebacks).
For online payments bitcoin works quite well. Still credit cards are often better for the consumer, because of the consumer protection (chargebacks).