Not sure exactly how it works on Android.
On iOS, on the home screen, at the bottom, there’s options to Reload / Pay / Order. You’d use Pay when in store.
Figured it out, I've been using a webpage which was like an app ,meaning it had it's own page saved as an icon.
Decided to download the actual app and works flawlessly, added a few more cards I had from this week Tuesday now holding by $90+ In free DD gc, now have to figure out what I'm going with them.
To bad i only found out about saving it to your account recently.