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Get up and go to the bathroom before the bill comes, but after everything has been ordered. On the way, away from the table and your friend, give the waiter your card and ask them to run the bill.
I have an old friend who does this, and while I know it's with good intentions, I can't help but feel blindsided. I'd prefer he said "it's on me", so at least I have the choice to treat him too.
This is what I do when I know the other person will insist on buying (like they always do). Had a friend who always bought lunch for years before I finally got there first.
In other situations, the classy thing is to say "please allow me to get this; I insist. You can get the next one."