Kindly create a Product Requirement Document for MORSA, a payment service solutions company digitizing payments and driving financial inclusion through technology with the following characteristics;

Product brief: The MORSA app is a software (Mobile app) and hardware (Card Reader) solution enabling businesses and individuals receive and make contactless payments.

Application Software (Mobile App) Features:
1.	Accept VISA, Mastercard, American Express, all major debit cards, Apple Pay, Android Pay, Google Pay and and Virtual cards NFC Payments in under 5 seconds.
2.	Send online invoices
3.	Send Payment Links to get paid remotely
4.	Sell and accept gift cards
5.	Send digital receipts and store them all on the cloud
6.	Issue full or partial refunds
7.	Deposit earnings from app to bank as requested by user.
8.	Tap to Pay software-only solution enabling users to accept contactless card payments on-the-go, directly from their smartphones using NFC – no extra hardware needed.
9.	Create QR Codes to accept payments
10.	Connect and set up with card reader to receive card and contactless payments into app wallet.

Application Hardware (Card Reader) Features:
1.	Connect with the MORSA software application to accept card and contactless (Tap to Pay) payments via NFC technology.
2.	Connect card reader to any digital wallet from any app to accept card and contactless payments