Preheat the air fryer: Set to 370°F (188°C) for 2–3 minutes.
A warm basket helps crisp the bread quickly.
Prep the bread: Spread a thin layer of butter or mayo on the outside of each slice. This is what gives you that golden crust.
Assemble the sandwich: On the unbuttered side of one slice, add a piece of cheese, layer the ham evenly, sprinkle a little black pepper, then top with the second slice of cheese. Finish with the second slice of bread, buttered side facing out.
If you like, add a swipe of mustard or a few pickle slices inside.
Secure the sandwich: If your bread is thick or your ham is piled high, gently press the sandwich so it holds together. A toothpick through the center helps keep layers from sliding.
Air fry: Place the sandwich in the basket. Use a small piece of parchment under it if you worry about cheese drips.
Cook for 4–6 minutes, flipping halfway, until the bread is golden and the cheese is melted.
Check and adjust: If the bread is browning too fast and the cheese isn’t melted yet, lower the temp to 350°F and cook 1–2 more minutes.
Rest and slice: Let the sandwich sit for 1 minute so the cheese settles. Slice in halves or triangles and serve hot.