You have to transfer Bitcoin from your bitpay wallet to the card and it takes only 3 confirmations to be able to use your money with the card, once you transfer the Bitcoin to the card there is no way back, they take your Bitcoin at the market price. I have this card myself, but I do use the coinbase shift card as well, I like both. Shift card do not freeze your Bitcoin at market price, you don't need to transfer the BTC to the card, the card it is linked to your coin base wallet, what ever you spend with the card they just substract it from your wallet no matter what's the Bitcoin price at the time of the purchase.