The Visa fee of 1-3% is too expensive in the internet era. It made sense 50 years ago when cost of moving information was high, but now it's just rent seeking.
In contrast, Bitcoin is permissionless. Just install the software and receive payments just like anyone else. That's what something born in the Internet age looks like.
Are you the owner of Ezfile/Filecloud by any chance? If you are, I'm actually quite curious to discuss payment processors with you. Last I checked, you're using Amazon gift cards and Bitcoin. Have you had any luck getting access to credit card processors? Also, what fee per transaction would you consider to acceptable from a CC processor for your category of website (with the ability to let users pay by subscription)?
Honestly, the proper competition vs Visa is ACH-based transactions like Dwolla.