PayLeaf vs Hempay

Get paid with a QR code. Show your code, your customer scans it with their phone camera, and the money goes straight to your bank. No card reader, no terminal rental, no monthly fee. PayLeaf is built in British Columbia for Canadian small businesses: contractors and trades, salons and barbers, market vendors, food trucks, freelancers and anyone who gets paid in person or by invoice. TAKE PAYMENTS IN SECONDS • Show a QR code for a set amount, or one reusable code where the customer enters the amount • Customers pay by card in their browser. No app needed on their side • Print your code as a counter sign or save it as an image • Every payment shows up the moment it lands, and customers can get an emailed receipt INVOICES THAT GET PAID • Create an invoice in under a minute. Draft with AI writes the line items from a short description • GST, PST, HST and QST worked out from your business settings • Every invoice carries its own QR code, PDF and pay link • Split a job into a deposit and balance, or progress payments. Each stage has its own pay link • Pay by Bank on invoices of $250 or more, so you keep more on big jobs • Send a polite reminder in one tap, written for you, sent only when you approve it • Paid in cash, e-Transfer or cheque? Mark it paid in seconds SEE WHERE YOUR MONEY IS • Your Stripe balance on the home screen: what is on its way and what is available • Activity grouped by day, with a total for every day and the month so far • Each payment shows where the money is, from paid to processed to your bank • Monthly reports and CSV export for your bookkeeper KNOW YOUR CUSTOMERS • Everyone you invoice is saved automatically • See who owes you and who is late, sorted so you know who to follow up with first • Payment reliability: PayLeaf shows how quickly each customer usually pays, based on their own history SECURE BY DESIGN • Payments processed by Stripe. PayLeaf never sees or stores card numbers • Money goes from Stripe straight to your Canadian bank account. PayLeaf never holds your funds • Optional two-step verification with an authenticator app • An email and notification when your account is signed in to from a new device • Face ID or passcode lock for the app • Sign in with Apple SIMPLE PRICING • $0 a month, no contract • 3.4% + 30¢ per card payment, all in • Pay by Bank at a flat 1.5% on invoices of $250 or more • Rates can vary for international and premium cards Use the same account in the app and in the web portal at payleafpayments.ca. Questions? payleafpayments.ca/support

Hempay is a digital wallet for sending money, managing multi-currency balances, and paying everyday bills in Nigeria. With Hempay you can: • Create and manage wallet balances in multiple currencies • Fund your wallet and withdraw to your bank account • Send money to Nigerian bank accounts and other Hempay users • Convert between currencies using live rates • Pay airtime, mobile data, electricity, TV/cable, and exam pins • Track your transaction history and account activity • Secure your account with PIN, optional biometric login, and identity verification (KYC) Identity verification (including BVN and ID documents) is required to unlock higher limits and certain banking features. Hempay is designed for users in Nigeria who need a simple, secure way to move and manage money. Download Hempay and start managing your money in one place.