I've had problems with [Suspicious link removed] not generating adequate profits.  I switched to clevermining.com and they seem much better about advertising and generating correct profits.

Until we have debit card type usability (ease of use and storage) where the holder of the card still initiates the transaction it wont be picked up by the masses.  Having to take a picture of a QR code and use an app to initiate a transaction is more difficult than using a credit card.  This is the biggest problem as it currently stands.  Consumers don't care about the 2-5% fee.

Whoever can make the first hardware wallets with the ability to swipe a transaction into a machine, whether it be RFID or magnetic strip will truly be able to market to the non-crypto masses.