You've just confused apples with oranges.
A blockchain cannot compete in speed with a centralized database (VISA). Whoever expects that has misunderstood... everything.
Nope, you're the one mistaking things, that's the page from sending money via Western Union.

International transfer (EU>Lesotho), pick-up in minutes, cheaper than what the OP has paid for a lower sum!
Back to reality: just read about people trying to transfer fiat from their bank account (for example to Kraken) and wait for days.
Just as I was saying, from competing with Visa we dropped expectations to competing with MG and WU, then with national bank transfers, then with international bank transfers, and so on and on. While every one of those options is evolving and getting faster we're stuck at looking at the mempool and counting inputs.
Another option I have is to make the payment with BCH or ETH..
No Doge? and no LTC?
I don't see the reason why somebody would be accepting BCH and not any of those two!