> ## Documentation Index > Fetch the complete documentation index at: https://docs.fedapay.com/llms.txt > Use this file to discover all available pages before exploring further. # Frequently Asked Questions (FAQ) – TAP & GO ### What is TAP & GO? TAP & GO is a 100% virtual payment terminal developed by FedaPay. It allows you to collect payments from your customers via **QR Code**, **USSD**, or **NFC** without any expensive device or mandatory internet connection, thanks to USSD payments. A basic phone is all you need, even a non-smartphone. It’s simple, secure, and accessible to everyone. ### Do I need any special terminal or device? No, and that’s the beauty of it. TAP & GO doesn’t require any physical terminal. You receive a payment kit (a display card or compact plaque) with your personalized QR code, USSD code, and NFC tag. No hardware to buy or rent. ### Who can use TAP & GO? Everyone: * **Existing FedaPay merchants** (e-commerce or online vendors) * **Physical businesses** (grocery stores, fashion boutiques, pharmacies, bars, restaurants) * **Independent workers and mobile professionals** (Zemidjans, hairdressers, electricians, tailors) ### How do I get TAP & GO if I’m a merchant on the ground? A FedaPay agent will visit you, install the TAP & GO app on your phone, register your account, and hand over your payment kit (display plaque or card). You’ll be ready to accept payments in less than 15 minutes. ### What if I already have a FedaPay account? Great news: TAP & GO is available directly from your FedaPay dashboard. You can activate the feature with no need to install a new app. You’ll then be able to accept payments via QR code or USSD, and request a display kit if needed. ### Do my customers need to register? Not at all. Your customers can pay you using their regular mobile wallet: MTN Money, Moov Money, Celtiis, MyFeda, BMO, Coris Money—or even with their VISA or Mastercard. No app download or account creation is required on their part. ### What if they don’t have internet access? No problem. With USSD payment, your customers can pay without data or smartphones. That’s what makes TAP & GO truly inclusive. ### Is the mobile app required? * Yes, if you're a physical shop or an artisan: You’ll need the TAP & GO mobile app to track your transactions, receive payment alerts, and check your balance. * No, if you're already a FedaPay merchant and use the web dashboard: Everything happens directly in your interface—no app required. ### What documents do I need to provide? It depends on your business type: * Shops, restaurants, pharmacies, etc.: RCCM (Business Registration), IFU (Tax ID), and a valid ID * Artisans, taxi drivers, hairdressers, etc.: IFU and a valid ID Documents are submitted through the TAP & GO app with support from a FedaPay agent. ### How much does TAP & GO cost? It’s completely free. The installation, mobile app, and your payment display (plaque or card) are provided at no cost. No hardware fees. ### When will I receive my funds? Your payments are credited to your FedaPay account and automatically transferred to your Mobile Money account within 24 hours (next-day payout). ### Can I track my payments? Yes. The TAP & GO app (or your FedaPay dashboard, if you're an online seller) allows you to: * Track your transactions in real time * Check your account balance * View your payment history ### What happens if my phone is off? No worries. Your payments are still processed. Once your phone is back on, you'll receive a notification and can access your transaction details in the app. ### What if a customer is charged but the transaction doesn’t show as approved? This can happen in rare cases. Here’s what to do: 1-Refresh your app 2-Wait a few minutes 3-If the status doesn't update, take a screenshot of the customer's payment message and submit a short claim from the app Our team will quickly review and resolve your issue. ### Will I lose my data if I change phones? No. Your account is secure. Just install the TAP & GO app on your new phone and log in with your email address to retrieve all your data. ### Can I receive training? Absolutely. The FedaPay agent provides a live onboarding session during setup. You’ll also receive a short video tutorial to review the process at your own pace. ### How does TAP & GO protect against fraud? Each payment tag (QR, USSD, NFC) is unique and securely linked to your account. Enrollments can only be initiated using a verified FedaPay agent ID. No registration can happen without an official agent. And no agent will ever ask for your password. ### What if I have an issue? Our dedicated TAP & GO support team is here to help: [support@fedapay.com](mailto:support@fedapay.com) ### Is there a commission on each payment? Yes. As with all transactions processed on TAP & GO, a standard 1.6% fee is automatically deducted from every Mobile Money payment (MTN Benin, Moov Benin and Celtis). * The fee is applied automatically—no action is required on your part. * You receive the net amount instantly visible in your TAP & GO balance.