If I pay by chip and pin it takes 3 days minimum to go through,
But it confirms almost immediately, and it is guaranteed. There are not guarantees with Bitcoin until you have got a few hours worth of confirmations.
I can see how it would work if you buy a gift card, and then use that for the purchase.
There is no such thing as a Bitcoin debit card. There is a pseudo-bank exchange service that will make the payment for you in fiat, but that isn't peer to peer.
Or you could get a pre-pay/pre-order system where you get a discount if you pay for your coffee in advance the night before (as then it helps them know the number that will be made).
And the gift card thing also. Although it isn't confirmed beforehand, well it is but you can still cancel it.