# Garden FI vs Payarc TouchPay

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.

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.

## The numbers

| Metric | Garden FI | Payarc TouchPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (18 ratings)](https://appshunter.io/ios/app/garden-fi/id1521321916/reviews)** | — |
| Number of ratings | **18** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Ad-supported | — |
| Size | 197 MB | 51 MB |
| Requires iOS | 18.4 | **16.9** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 17+ |
| Developer | [Jack Henry and Associates, Inc.](https://appshunter.io/developer/1229273746) | [PAYARC LLC](https://appshunter.io/developer/1544074671) |

## What reviewers say

### Garden FI

[App page](https://appshunter.io/ios/app/garden-fi/id1521321916)

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:** Apple Wallet

**In-app purchases:** none


### Payarc TouchPay

[App page](https://appshunter.io/ios/app/payarc-touchpay/id6756000664)

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*