[alcio]

Mastercard/Visa do thousands of transactions per second and charge a single digit percentage fee on top.

Bitcoin does 3 to 5 transactions per second and charges a fixed fee per byte of transaction space.

Which is fairer? Speed has a cost that many people ignore.

[PeterisP]

Comparing CC prices against Bitcoin prices is also a bit apples of oranges - the CC fees are larger but CC users are getting a significantly "larger" service as well. A BTC transaction is just the initial money transfer, but a CC transaction is a package of money transfer + fraud insurance + some money-back for the payer; if you'd want to compare prices then you'd need to look at something like BTC transaction + an escrow service fee.

Just technically executing the transaction is a minority of the problem and a minority of the cost; if you'd do BTC transactions with a proper consumer protection service then that part would be far more costly than just the transaction.

[r32a_]

You cannot compare Bitcoin transaction to a visa/mastercard transaction.

A Bitcoin transaction is closer to me giving you a gold bar than doing a credit card transaction.

The payments layer is being developed and it's called the Lightning network. Which is faster than Visa/Mastercard and cheaper and can scale much greater and have a better resilience than Visa.