Garden FI vs Payarc TouchPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Payarc TouchPay
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Garden FI | Payarc TouchPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (18 ratings) — better | — |
| Number of ratings | 18 — better | — |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.4 | 16.9 — better |
| Further details — not scored | ||
| Size | 197 MB | 51 MB |
| Age rating | 12+ | 17+ |
| Developer | Jack Henry and Associates, Inc. | PAYARC LLC |
In-app purchases
Garden FI
No in-app purchases
Payarc TouchPay
No in-app purchases









