Sorry, sir, but I own and run several webshops, where I accept credit card payments through different platforms and payment providers. Not with any of them do I actually have the money (or the possibility to spend it) within 20 minutes. Not by far.
So, what are your numbers?
Approximately 20.000 and US $ 15.000 turnover per month, of which roughly 75% is done through credit cards. I'm getting paid out twice a week from the credit card payment processors, so I can typically spend the money in two or three business days. And chargebacks incidentally occur as long as 6 months after the purchase (and as a merchant, I always lose the money).
Now with Bitcoin (which unfortunately still only makes up for about 1% of my monthly turnover) I can spend the money
immediately. Number of chargebacks: zero. Cost per month: zero. Cost per transaction: zero. Number of restrictions or regional limitations: zero. Fraud risk: zero. Volatility risk: zero.
Damn, I sure wish Bitcoin will replace that old fiat crap ASAP.