Can the sender use their credit/debit card without having the app?

Follow up question if yes.. supports mc/visa/unipay?

Paywint is a Digital Wallet to Request, Send & Receive Money Instantly. Link multiple Bank Accounts and Debit or Credit Cards. Secured and Protected Transactions. Real-Time Alerts for Every Transaction. Perfect for Small & Medium Businesses to manage transactions. All-in-one mobile app can be downloaded from the Apple Store or Google Play Store.