You never used LNURL NFC cards (so called bolt cards)? See here some examples: https://darth-coin.github.io/merchants/bitcoin-lightning-payments-irl-en.html

You can make your own ones with https://plebtag.com/ or buy yourself the NFC cards and configure it with a BTCpay server or LNbits or https://boltcard.org/ for example.

Those NFC cards can be programmed to have a certain amount of sats "spendable" and also how many payments you could do per day etc, various limits.

Is not a simple LNURL, it contain also a security string that will not allow to be spend after read (skimming).

The cards are very handy with kids for example. You load them up and they have a limited spend amount.