Bitcoin clears and settles within a few blocks. Credit cards may reverse a transaction for 90 days. The merchant could also let you leave after sending Bitcoin

Bitcoin clears and settles within a few blocks. Credit cards may reverse a transaction for 90 days. The merchant could also let you leave after sending Bitcoin if the risk of double-spending was low enough (and network congestion was down). Lightning Network will enable instant transactions without needing to wait for block confirmation, which is a true payments solution.