Hmmmm....I have never been in a restaurant where this was a problem. Of course, in a cafeteria style restaurant one does pay after you get your food and before you eat it, but you know this before going into the place.
I suppose if there was some doubt about how payment was made for the meal I would ask the maitre de or waiter about the policy of the restaurant towards paying for the meal.
I would probably ask "Do we pay for this meal before or after we have eaten?"

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