Comparison

Garden FI vs Payarc TouchPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Garden FI

Manage your money with this personal finance tool. Organize transactions with tags and photos, set balance alerts, and make payments. Secure your account with passcodes or biometrics.

Highlights
  • Organize transactions with tags, notes, and photos
  • Set balance alerts
  • Make payments to companies and friends
  • Transfer money between accounts
  • Deposit checks via photo
  • Manage debit cards
  • View and save monthly statements
Features
Read full description

Garden is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Garden: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric supported devices.

About

Payarc TouchPay

Read full description

TouchPay turns your iPhone into a simple point-of-sale solution for in-person payments. Merchants can log in, select which terminal to use on the phone, and enter an amount to start a sale. The app guides the merchant to present the iPhone for the customer to tap a contactless card or wallet and completes the transaction securely. After a successful payment, merchants can deliver a receipt via SMS or email and can void transactions when needed.

Screenshots

Garden FI4 screens
Payarc TouchPay4 screens

Verdict

The call

The clearest difference is iOS requirement: Payarc TouchPay at 16.9 against Garden FI's 18.4. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Garden FI ships an update monthly, Payarc TouchPay every 2 months. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard1 real difference · 8 level
Garden FI versus Payarc TouchPay: the parameters behind the verdict, then further details
ParameterGarden FIPayarc TouchPay
PriceFreeFree
Rating4.8 (18 ratings) — better—
Number of ratings18 — better—
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.416.9 — better
Further details — not scored
Size197 MB51 MB
Age rating12+17+
DeveloperJack Henry and Associates, Inc.PAYARC LLC

In-app purchases

None

Garden FI

No in-app purchases

None

Payarc TouchPay

No in-app purchases

Questions

Is Garden FI free?
Garden FI is free to download, with no in-app purchases.
Is Payarc TouchPay free?
Payarc TouchPay is free to download, with no in-app purchases.
Do Garden FI or Payarc TouchPay have ads?
Neither Garden FI nor Payarc TouchPay shows ads.
Which is updated more often, Garden FI or Payarc TouchPay?
Garden FI ships an update monthly, and Payarc TouchPay every 2 months. Most recently, Garden FI was updated on October 24, 2026 and Payarc TouchPay on October 25, 2026.

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