They have it but it’s just not featured. You can open a channel to the fold node (no less than 5M sats) and purchase gift cards with lightning but the sats back is terrible or nonexistent. Thus it forces the customer to use the visa product. My guess is it is hard to run a profitable business with only a few die hard bitcoiners will use lighting to buy gift cards. But where they are really falling short is not implementing lightning withdrawals for purchases and sat rewards