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tapped ofone is a capability that allows builders to build the ability to accept payments into any mobile device these are capabilities that are already connected to mobile networks or to the internet and theyamp;#39;re capable of accepting payments through NFC payments and what we want to make sure is that we are making it easier for enterprises micro enterprises to large enterprises to be able to build the experiences and accept payments in emerging markets almost less than 10% of sellers can accept a digital payment I mean 90 percent would be left out of the commerce network we want to make sure everybody is included and being able to embed payment acceptance capability tap two photo capability on mobile devices without any other hardware any other accessories any other connectivity is where weamp;#39;re focusing on tap to phone like many of our products we succeed through our partnerships we build with our partners and Samsung is a great example of that for tap to phone S