It’s actually super easy and not a challenge. The lowest tech way to do it would be the tape a cc with tap functionality to the inside of a laptop.

what a phenomenal comment, thank you for the laugh

I took "tap to pay" being clicking on Order in an app; and I have certainly made a "online order" from inside the Chipotle, on their wifi with my laptop (usually because walking to the counter would cost more because of stupid promotions).

It makes more sense that they're referring to Apple Pay or similar shenanigans (which itself is more annoying than a credit card, to be honest, Face ID goes wrong or the double click closes the wallet app instead of authenticating way too many times, especially if you're trying to do it one-handed).