# Card acceptance

> Accept card payments online, in person with Tap to Pay, or through Apple Pay and Google Pay, and handle declines, refunds, reversals, and disputes.

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Charge credit and debit cards online, in person, or through Apple Pay and Google Pay. Card payments settle to the merchant's Moov wallet by 1:00 PM ET the next banking day.

The merchant account needs the `collect-funds.card-payments` and `wallet.balance` [capabilities](/guides/accounts/capabilities/index.md). Test with the [test cards](/guides/get-started/api-authentication/test-mode/index.md#link-cards--card-acceptance) in test mode.

## Choose how to accept cards

| You want to                                                                       | Use                                                                                                      | Payment method         |
|-----------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------|------------------------|
| Take card details on your website or app                                          | [Online card payments](/guides/accept-payments/cards/online/index.md)                                            | `card-payment`         |
| Offer one-tap checkout in Safari or iOS apps                                      | [Apple Pay](/guides/accept-payments/cards/apple-pay/index.md)                                                    | `apple-pay`            |
| Offer one-tap checkout in Chrome or Android apps                                  | [Google Pay](/guides/accept-payments/cards/google-pay/index.md)                                                  | `google-pay`           |
| Take contactless cards in person on an iPhone                                     | [Tap to Pay on iPhone](/guides/accept-payments/cards/tap-to-pay-iphone/index.md)                                 | `card-present-payment` |
| Take contactless cards in person on an Android device                             | [Tap to Pay on Android](/guides/accept-payments/cards/tap-to-pay-android/index.md)                               | `card-present-payment` |
| Send a cart to a customer's iPhone so they pay with Apple Pay on their own device | [Tap to Share on iPhone](/guides/accept-payments/cards/tap-to-share/index.md)                                    | `apple-pay`            |
| Charge a saved card on a schedule                                                 | [Recurring payments](/guides/accept-payments/cards/recurring-payments/index.md)                                  | `card-payment`         |
| Pull funds from a debit card instantly (financial institutions)                   | [Pull from card](/guides/accept-payments/cards/pull-from-card/index.md)                                          | `pull-from-card`       |
| Collect without building checkout                                                 | [Payment links](/guides/accept-payments/payment-links/index.md) or [invoices](/guides/accept-payments/invoices/index.md) | Any enabled            |

![Card funds flow diagram](./images/card-funds-flow-light.png)

## After the charge

| Question                                                         | Go to                                                                                    |
|------------------------------------------------------------------|------------------------------------------------------------------------------------------|
| When does the money arrive, and what does each card status mean? | [Settlement timing](/guides/accept-payments/cards/timing/index.md)                               |
| Why was a card declined?                                         | [Declines](/guides/accept-payments/cards/declines/index.md)                                      |
| How do I give money back?                                        | [Reversals](/guides/accept-payments/cards/reversals/index.md) (cancels or refunds automatically) |
| A cardholder disputed a payment. What now?                       | [Disputes](/guides/accept-payments/cards/disputes/index.md)                                      |
| What appears on the cardholder's statement?                      | [Statement descriptors](/guides/accept-payments/cards/statement-descriptors/index.md)            |