[miltava]

Yes. But credit cards have high costs for the merchant. Thats why they get to give us cashback. It depends on the country, but the cut rate goes from 1% (in europe) to 3% in Brazil.

And the merchant gets the money after a long time. It is possible to advance the payment but the rates are much higher (10%+).

So, i dont think we can even think of credit cards as instant payment. And it has mich higher costs that, in the end, go back to the consumers.