# How Tap to Pay works on your iPhone

- **URL:** https://trymorgan.ai/help/how-tap-to-pay-works
- **Category:** Getting Started

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## How Tap to Pay works on your iPhone

Tap to Pay on iPhone is Apple's technology that turns your iPhone into a contactless card reader, no extra hardware required.

## The basics

When a customer pays you using Tap to Pay, here's what happens:

1. You open Morgan AI and tap **Charge**
2. You enter the amount
3. Your phone displays the payment prompt
4. Your customer taps their contactless card, Apple Pay, or Google Pay to your iPhone
5. The payment is confirmed, usually in under 2 seconds

Your iPhone's NFC chip picks up the payment signal from the customer's card or phone. The transaction is then processed by Stripe, our payment partner.

## What the customer needs

Your customer doesn't need anything special. Tap to Pay works with:
- Any contactless (NFC-enabled) debit or credit card, Visa, Mastercard, Amex, Interac
- An iPhone with Apple Pay set up
- An Android phone with Google Pay set up
- A smartwatch (Apple Watch, Samsung Galaxy Watch) with NFC

If a customer's card doesn't have contactless, they can still pay using a payment link you send them.

## Is it secure?

Yes. Tap to Pay uses the same NFC technology as standalone card readers. Card data is encrypted end-to-end and never stored on your iPhone. Morgan AI uses Stripe for payment processing, which is PCI-DSS Level 1 compliant, the highest level of payment security certification.

## Does it work offline?

No. Tap to Pay requires an active internet connection to process the payment. Make sure you have cell or WiFi coverage when collecting a payment.

## How fast is the payout?

Payments are typically deposited to your bank account within 1-2 business days. With Stripe's fast payout option (available in the app), you can receive funds the same day for a small fee.