I was counting NFC based things as tap-to-pay. I use Apple Pay for most of my purchases. But they always say that doesn't count. And I see why. You still gotta

I was counting NFC based things as tap-to-pay. I use Apple Pay for most of my purchases. But they always say that doesn't count. And I see why. You still gotta wave down a waiter, ask them to go fetch a machine, wait for them to come back, potentially sending them back because they split it incorrectly. That's not the same as scanning a QR code on the table, having it load up your bill, splitting it if needed, and making the payment. If that works as well as I imagine it to, that could all be done in the time it takes to wave down the waiter.