If you want a comparable experience to regular credit cards, simply accept unsettled bitcoin transactions, and get some insurance for the events where the unsettled transactions got double spent.
You'll get the exact same experience as a bank, with a much faster settlement time, and significantly lower fees.
Assuming it's a problem in the first place. The consumer EFT system in my country routinely has a 30 - 60 minute delay before the transaction can be processed, and that doesn't stop everyone from using it routinely to pay their rent. And actual wire transfers still take days. That would seem to be the competition. (Comparing to credit cards is flawed, as the funds don't transfer custody with a credit card for some time, as anyone who has dealt with a chargeback knows.)