Do I need a debit or credit card to use Tapp Pay?

No. You can add value to your Tapp Pay card or phone account with cash by visiting a payment kiosk (downtown only) or any retail location. A list of these locations can be found here. You may also use a pre-paid debit card to add value through the payment kiosk, online portal (cards only) or within the Transit app, although some pre-paid debit cards may not work so check with the card company before using.