You are probably thinking of an infrastructure similar to what the usual debit/credit card companies are offering where it is easy for merchants to integrate into the system and accept payments from those who are bearing the cards. This has been the basis of many projects before and I think if you look closely at the ICO scene right now there are also who are offering the same kind of infrastructure though in the implementation things can unravel and there will be many challenges that have to be faced head-on. Merchants have been looking for something like this but of course there has to be done to cope up with volatility also as this is another big concern many merchants are scared of.