# Accept Card Payments Without a Card Reader

> Dave kept a card reader in the truck. It was always dead.

- **URL:** https://trymorgan.ai/accept-card-payments-without-reader

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## Hardware you forget to charge is hardware you don't use.

Customer asks to pay by card. Dave says he'll send an invoice later. Later becomes next week. Next week becomes a text he feels bad sending.

The reader worked fine. When he remembered it. When it was charged. When he didn't mind carrying it to every job.

## His iPhone was already there.

Tap to Pay turns the phone into the terminal. Customer taps. Payment lands. Income tracked. Cash and e-transfer still log in the same app.

One device. Every payment type. Nothing extra to buy.

## Skip the hardware.

Works on iPhone XS and later. Free to start.

[Download Morgan free](https://apps.apple.com/ca/app/morgan-ai-business-payments/id6756862861)

- [How Tap to Pay works](/tap-to-pay-on-iphone)
- [Read how Morgan started](/about)

## FAQ

### Can I accept card payments without any hardware?

Yes. Tap to Pay on iPhone uses the NFC chip in your phone. No extra hardware required.

### Can I still record cash and e-transfers?

Yes. Log any payment type so everything stays in one income record.

### What iPhone do I need?

iPhone XS and later, running iOS 15.4 or newer.