Hello@Aliwilly 

After you insert the SD card, Tapo APP will try to recongize the SD card and format it through Tapo APP directly. 

Please try this guide to troubleshoot SD card issue feel free to let us know if it works for you: 
What should I do if the SD card doesn’t work properly on my camera?

If you have some trouble formatting SD card in the Tapo APP , can I have a photo of the Error. 
Please let us know the Brand & capacity of SD card,  better to attach a photo of SD card as well,  Thank you
1. Try a SD card with 8GB to 128GB capacity  (* capacity less than 2 GB is not supported):
Which microSD cards are supported on Tapo and Kasa Cameras? https://www.tp-link.com/support/faq/3048/
2. Verify if SD card is Fake (expanded capacity) with H2testw software and share a photo with us
NOTE: back up important files before run the test
https://www.tp-link.com/support/faq/2592/