Yes, you can tap your phone on a Hop reader to pay the Adult fare 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 (it’s not possible to earn 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
Download the Hop app to add a virtual Hop card to your phone