Yes. A ZikCards card can be added to Apple Pay or Google Pay on your phone and used to tap and pay in shops, as well as online. You add it by hand, with the details from your card page.

Before you start. Open the card in your dashboard and reveal its number, expiry date and security code. Check that the card is not frozen and has some balance on it, since a wallet may check the card when you add it. Keep the card's billing address to hand: it is shown on the same page.

Apple Pay (iPhone). Open the Wallet app, tap + and choose Debit or Credit Card. When the camera opens, choose to enter the card details manually, then type the name on the card, the card number, the expiry date and the security code.

Google Pay (Android). Open Google Wallet, tap Add to Wallet, choose Payment card and add a new card, then type the same details by hand.

Use the card's billing address. Enter the billing address shown on your card page, not your home address. Wallets and merchants compare it with what the issuer holds, and a home address is the most common reason a card is refused. Why the billing address matters.

If the wallet cannot add the card. Check that the name, number and billing address match your card page exactly and that the card is not frozen. Then wait a few hours before trying again: several attempts in a row can look suspicious to the wallet. If it still fails, contact support with the exact message the wallet showed.

Paying in a shop. In a shop the card works exactly as it does online: it spends only what is loaded on it, so top it up before you pay. A payment with a merchant outside the United States carries the issuer's cross-border fee, and a declined payment carries the decline fee, so keep the balance above what you plan to spend. Both fees are on the pricing page.

If you lose your phone. Freeze the card from your dashboard. A frozen card is declined wherever it is used, and you can unfreeze it as soon as you have your phone back.