In our case we received the gift card as part of our package, and we didn't collect it until a couple of days into our trip, hence paying it off at the desk - but also with the dining plan it was easy just to tap our magic band and know that the credits were done and the tip was taken care of all in one step, rather than tapping for credits then doing a separate transaction for the tip. We were staying at POFQ and the front desk was always quiet, we were passing by every evening on our way back to the room so it wasn't a hassle for us!
Hopefully they will update the mobile ordering to include gift cards, they updated it to include dining credits and allergy menus, so maybe that's one of the next steps!