You bring you card to register at store, hand them it and the cash you are putting on your card and they swipe your card and put it on it. Just had a person at reloadit on the phone and they finally shot me a straight answer. The safe is being discontinued. They will be mailing every safe holder a check for the balance of their safes. The only way to use reloadit will be in person swipe and pay and it will have to be cash. You cant load your card with a CC.