Roger Ver is pushing hard to make Bitcoin the least interesting payment option, just like how his bitcoin dot com wallet by default chooses an exorbitantly high fee for Bitcoin regardless of the mempool state. Too bad this scammer has so much influence in this space.
I knew Roger was a jerk and a conman, but overcharging innocent people on fees like that is something that once again points how he doesn't want people to enjoy cheap transactions, but to make Bcash look like the 'better' version.
The thing that will result in other payment processors to gain market share is SegWit and LN, both of which BitPay will not use. You only have to use both to be cheaper and more reliable from the fundamental aspect.
Banking aspect is still a thing BitPay has paying off, but it won't take long before others will try to claim their cut of the pie. Markets in general don't let these opportunities open very long, so it's a matter of time before BitPay is pushed back.