Compared to other restaurants (and other countries) waiters seem somewhat underequipped at WDW. They often don't carry a card reader. I got asked to go with the waiter to some backroom or side cabinet so often when I wanted to pay with apple pay, that I started to carry a physical credit card with me again (which I usually don't do) just to be able to follow the old process (ask for the check, put your card on it, wait for the final printout to add tip)My point was that if I am able to produce a band with the correct PIN, the server should be able to apply the appropriate discount for affiliations (AP, DVC-Y) they see on their band reader without asking me to pull out my phone to show them the same exact affiliations through the phone's wallet function.
If they had a reader with them to easily scan magicbands, apple pay, credit cards (maybe integrated into a terminal that sends orders to the kitchen - as they do in many other restaurants) it should be easy to integraten NFC verification of discounts into the system. Scan the magicband or magic mobile, automatically apply discounts - no need to ask any questions or to lead the customer through the app.
I particularly don't like it if they touch my phone with their hands to read what's on the screen.