# FAQ, Frequently Asked Questions

> Answers to common questions about Morgan AI: Tap to Pay on iPhone, invoicing, income tracking, expenses, pricing, security, and which business types it works for.

- **URL:** https://trymorgan.ai/faq

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## Quick answers

### Do I need a card reader?

No. Tap to Pay turns your iPhone into the reader. Nothing to buy, charge, or carry.

- **Guide:** /help/tap-to-pay-setup

### What does Morgan cost?

Free to download and use. Pro is $12/month when you want unlimited Tap to Pay, invoices, and expense tracking.

- **More:** /pricing

### How fast do I get paid?

Card payments usually land in your bank account within 1-2 business days.

- **Guide:** /help/connecting-bank-account

### What are the processing fees?

Stripe handles card processing at their standard rate, typically 2.9% + $0.30 per transaction. Morgan does not add fees on top.

- **Guide:** /help/payment-fees

### Can I record cash or e-transfer payments?

Yes. Log cash, e-transfer, or any other payment so your income stays in one place.

- **Guide:** /help/cash-etransfer

### Can I send invoices from my phone?

Yes. Most people send their first invoice in under a minute. Customers pay online by card.

- **Guide:** /help/creating-invoice

### What iPhone do I need for Tap to Pay?

iPhone XS or newer, running iOS 15.4 or later.

- **Guide:** /help/supported-iphone-models

### Can I cancel Pro anytime?

Yes. Cancel from app settings. No contracts, no phone calls.

- **Guide:** /help/cancel-subscription