Perhaps an example helps.
Suppose @RPietila is now in the US (to simplify the example) and wants to buy a bottle of fine French wine that costs 500$ if paid in cash at the store -- just the current market price of 1 BTC -- with free delivery to @RPietila's location. The wine merchant "accepts bitcoin" through Bitpay.
GOING THROUGH BITCOIN:
Years ago, when the price was 3$/BTC, all fees included, @Rpietila bought (say) 1.03 BTC for 3.09$
Today, @Rpietila clicks the bitcoin payment option and is directed to a Bitpay form that specifies the amount of bitcoin he must send, which is 1 BTC plus (say) 0.03 BTC to cover all the costs and fees.
@Rpietila transfers 1.03 BTC to the Bitpay address, shown on the form. Let's suppose there is no fee for that.
Bitpay sends 500$ to the wine merchant's bank account. Pays a bank transfer fee for that, let's say 5$.
Bitpay sends the 1.03 BTC to Bitstamp and puts it up for sale. Let's suppose there is no fee for that.
@JayJuanGee deposits 520$ into his Bitstamp account. Pays a bank transfer fee for that, let's say 5$.
@JayJuanGee buys the 1.03 BTC for 515$ (suppose that, by miracle, the price hasn't changed). Pays a trading fee on that, let's say another 5$.
@JayJuanGee withdraws the 1.03 BTC. Let's suppose there is no fee for that.
@Bitpay now has 515$ in its Bitstamp account. Withdraws 510$ to its bank account and pays a withdrawal/bank transfer fee of $5.
NET RESULT:
Bitpay paid 505$ (including one bank fee) and received 510$ (after all Bitstamp fees). The 5$ difference is their processing fee.
@RPietila paid 3.09$ and got to enjoy a bottle of fine wine worth 500$. He has the same amount of bitcoins that he would have if he did not buy those 1.03 BTC way then.
@JayJuanGee paid 525$ for the privilege of paying the rest of @Rpietila's wine bill (496.91$), plus three bank transfer fees, the Bitstamp trading fee, and the Bitpay processing fee; but he now has 1.03 BTC more in his hoard, nominally worth 515$, that he may be able to sell to @Erdogan tomorrow and thus pass that privilege on to him.
WITHOUT GOING THROUGH BITCOIN
@Rpietila clicks the bank payment option and gets the wine merchant's bank account #.
@RPietila sends 500$ to that account, pays a bank transfer fee of 5$.
NET RESULT:
@RPietila paid 505$ and got to enjoy a bottle of fine wine worth 500$.
CONCLUSION: Left as an exercise.
You forget Years ago, the price of a fine wine worth $50, and it's the fact it now costs $500, that we all want Bitcoin. Bitpay, are just working on ways to get you to spend your bitcoins nothing more nothing less, and they have to make a profit doing it or they'll disappear.
, its more fun to sip on a drink while watching the the trolling unfold as bitcoin makes in roads to places they never though possible. Fuck getting rich overnight..I'm willing to put years in 
My first year of hodling comes up in Oct..er mer gerd its be a roller coaster 
