# YouTube upload sheet — "One Tap"

## Title (pick one; 1 is the main)
1. What Happens in the 2 Seconds After You Tap Your Card
2. Your Card Tap Visits 3 Companies in 2 Seconds. Here's the Whole Journey.
3. How Card Payments Actually Work (and Why No Money Moves Yet)

## Description
You tap your card, the terminal beeps, and the coffee is yours. In those two seconds your payment
powered a chip with no battery, signed a one-time cryptogram, crossed a card network, passed a
machine-learning fraud check at your bank, and came back with "approved". And no money moved yet.

This video follows one tap, slowed down, through every step: the chip and the terminal, the ISO 8583
message, the acquirer, the card network, your bank (the issuer), clearing and settlement overnight,
who takes which slice of your $100 (interchange), offline payments on a plane, declines and chargebacks.

Chapters
0:00 Two seconds
0:35 The tap
2:07 The message
3:09 The network
3:54 Your bank decides
5:04 The way back
5:21 No money moved
6:08 Who gets paid
7:11 No internet?
7:38 When the answer is no
8:10 All together

Notes
- Timings and fee splits are typical examples, not measurements; they vary by country, card and bank.
- EU interchange caps: 0.2% (consumer debit) and 0.3% (consumer credit), Regulation (EU) 2015/751.
- Card numbers, tokens and codes shown are made up.

Narration: AI voice (Kokoro). Animation: coded 3D (three.js). Music: generated in code.
Sound effects: Kenney (kenney.nl), CC0.

## Tags
card payments, how card payments work, contactless payment, tap to pay, EMV chip, cryptogram,
tokenization, Apple Pay how it works, ISO 8583, acquirer, issuer, card network, Visa, Mastercard,
interchange fee, settlement, clearing, chargeback, fintech explained, payments explained, 3D explainer

## Upload settings
- Category: Education. Language: English. Captions: upload `captions.srt` (English).
- Altered or synthetic content: **No** — the label is for realistic people, places or events; this is an
  animated explainer. The description already discloses the AI voice.
- Made for kids: No. Paid promotion: No.
- Mid-roll ads: the video is 9:00, so mid-rolls are available (≥ 8 min). Suggested ad breaks at the chapter
  starts: 2:07, 3:54, 5:21, 7:11 — each lands on a pause between sentences.
- Thumbnail: `thumbnail.jpg` (1280×720).