“Mobile payments so far account for a mere 2% or less of U.S. general-purpose card payments, according to some estimates, and that’s no surprise to some executives who believe mobile payments haven’t delivered for many merchants. “I don’t think anyone in the market is solving problems for the retailers,” Laura Townsend, senior vice president of operations at the Minneapolis-based Merchant Advisory Group, said Monday. Townsend was a panelist at a session about “merchant-centric” mobile payments and loyalty programs at this week’s Mobile Payments Conference in Chicago.”