This is the future shame BCH can't do it
In the controlled conditions of a lab, any coin can do this.
Get to me when there is a solution working in the wild.
It's been tested on mainnet successfully routing through various hops using all the different implementations of lightning with public beta for everyone to use being released soon
Released soon , is
NOT Released Now!Still vaporware until then.When shitnet is released, you think people will need a 4 year degree before they can understand all of the stupid hoops it will make them jump thru.
Or
Will the shitnet banks, just say give us your money , we will do it all for you because you are too stupid to understand this convoluted shitnet system,
that was designed to be too hard for 70% of the populace to use. 
╥Aztek
Payment channels can be created automatic so its pretty simple
1. Visit site
2. scan code (payment amount is included and shown)
3. press send/pay
4. if a routable payment channel exists then payment is sent and transaction is complete otherwise a routable channel is created and then payment is sent then transaction is complete
Thats it