You sure can! You can manually add or scan your credit/debit cards. To do this, select the “Wallet” tab at the bottom of the Sniip app, then select the small “+” icon in the top right corner of the screen. You can then add your card details.
When making a bill payment, Apple Pay is the default payment method. To select an alternate payment method, simply swipe right on the Apple Pay logo to select your preferred option.