# Pricing

> Tap to Pay pricing: 2.7% + CA$0.05 for cards, +CA$0.15 Tap to Pay authorisation, CA$0.15 Interac Debit. Free to start, Pro from $12/month.

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

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## Processing fees

### Cards & wallets

**2.7% + CA$0.05**

per successful charge for most cards

### Tap to Pay

**+ CA$0.15**

per authorisation — accept contactless payments on iPhone with no extra hardware

### Interac Debit

**CA$0.15**

flat fee per successful Interac Debit transaction — no percentage

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## App plans

### Free: $0

Forever free. No card required.

- Basic income tracking
- Up to 5 invoices per month
- Cash & e-transfer recording
- Payment link sharing
- Single user account
- Mobile app (iOS & Android)

### Pro: $12/month

14-day free trial. Cancel any time.

- Unlimited Tap to Pay
- Unlimited invoices
- Expense tracking & receipt scanning
- Customer records
- Business insights & reports
- Tax summary report
- Recurring invoices
- Priority support

## FAQ

### What are the Tap to Pay processing fees?

Most cards are 2.7% + CA$0.05 per successful charge, plus CA$0.15 per Tap to Pay authorisation. Interac Debit is a flat CA$0.15 — 0% percentage. Fees are deducted automatically before payout.

### Does Morgan take a cut on top of processing fees?

No. The rates above are all-in processing fees. Morgan does not add a markup on top of card or Interac transactions.

### Is there really a free plan?

Yes. Download Morgan and start accepting payments and sending invoices without paying anything. The free plan covers the basics for most solo service businesses just getting started.

### What happens when I hit 5 invoices on the free plan?

You'll be notified when you're close to your limit. Upgrade to Pro at any time to unlock unlimited invoices. All your existing data is preserved when you upgrade.

### Can I cancel my Pro plan any time?

Yes. Cancel your Pro subscription at any time from account settings. You keep Pro access until the end of your current billing period.

### Is there a free trial for Pro?

Yes. Try Pro free for 14 days. No credit card required to start the trial.

### Do I need a card reader for Tap to Pay?

No. Tap to Pay works entirely through your iPhone. No extra hardware needed.

### Are there setup fees or monthly processing fees?

No. There are no setup fees, monthly processing fees, or hidden fees. You only pay the per-transaction rate when a payment succeeds. The optional Pro plan is a separate subscription for app features.