In Vietnam, people pay in Vietnamese Dong money (VND) and all of my money is VND. Do you think BitPay works with VND? I'm asking because you specifically mentioned how BitPay works with banks, with VISA cards, in USD.... not VND....
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All you need to know is if the place where you going to buy something accepts VISA. If so, then this one will work. The VISA "Company" converts the USD dollars on the card to any other currency that VISA is working with. For that, the bank that is backing the USD behind your VISA card is asking a 3% commission on the conversion of the USD to X currency. That was my 0.07 USD transaction fee above.