Do I need to set up an account to be able to use Tapp Pay?

For card accounts, NO. However, the benefit of creating an account for your card is that should it ever be lost or stolen, the value in your account can be transferred to a new card. To register your card account visit:

For phone accounts, YES. After downloading Transit, you will need to provide your email, first and last name, your debit or credit card information, and create a password.