You can tap your phone on a Hop reader to pay using a credit/debit card in your mobile wallet — no Hop card or app needed. But you’re limited to the full Adult fare, and you can only earn day passes as you ride (no month passes).
With a virtual Hop card, you can choose from Adult, Honored Citizen or Youth fares, plus you can earn both day and month passes as you ride. So a virtual card is ideal for frequent riders because it can save you money (you won't pay more than a day pass in a day or a month pass in a month).
Learn more about the options for paying your fare with your phone