I think we need an FAQ for this. Everything said so far in this thread is wrong.

Credit card transactions do not settle instantly. They clear (usually) weekly and can be reversed months later. What happens when you "pay" is simply that the merchant records an IOU. It takes a long time for the money to actually show up in their bank account.

You can accept a Bitcoin transaction instantly (unconfirmed) and it is dramatically safer than a credit card payment, regardless of what you may see claimed elsewhere on this forum.

Bitcoin clears payments faster than any other financial system I'm aware of except cash by orders of magnitude, and I do not anticipate that changing any time soon.