CardNav vs PayLeaf
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CardNav
Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.
- Transaction alerts
- Customizable usage settings
- Define card usage locations
- Define card usage times
- Card monitoring and management
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CardControl helps you protect your debit and credit cards by sending you transaction alerts and giving you the ability to define when, where and how your cards are used. Simply download the CardControl app to your smartphone, then customize your alert preferences and usage settings to monitor and manage your cards
PayLeaf
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PayLeaf lets Canadian businesses take card payments with just their phone. No card reader, no contract. ACCEPT PAYMENTS WITH A QR CODE Enter an amount, show the QR code, and your customer pays on their own phone. Add a note or table number, or use a fixed amount QR for counters and market stalls. INVOICES THAT PAY THEMSELVES Create professional invoices with your logo, line items, and GST, PST or HST calculated from your own tax settings. Split large jobs into progress payments. Customers pay online and the invoice updates automatically. KNOW WHERE YOUR MONEY IS - Live dashboard with your balance and recent activity - Monthly reports with gross sales, tax collected, fees and a net estimate - Export transactions to CSV for your bookkeeper - Clear refund and dispute status, with guided steps to respond to a dispute CUSTOMERS AND NOTIFICATIONS Keep a customer list and get notified when a payment arrives or something needs your attention. BUILT FOR CHARITIES TOO Registered charities can set up a donation cause with suggested amounts and a printable donation QR. SECURE BY DESIGN Payments are processed by Stripe and paid out to your own bank account on Stripe's schedule — typically about 2 business days for card payments and 3–5 for bank payments. Lock the app with Face ID or your device biometrics. SIMPLE PRICING No contract and no card reader. You pay only when you get paid: - Cards: 3.4% + 30¢ per payment - Pay by bank: 1.5%, minimum $5, on invoices of $250 or more Questions? payleafpayments.ca/support
Screenshots
Verdict
The clearest difference is update cadence: PayLeaf at weekly against CardNav's every 6 months. CardNav's advantage is iOS requirement (14.0 vs 16.4). On price, ads, in-app purchases and device support 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.
CardNav ships an update every 6 months, PayLeaf weekly. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.
| Parameter | CardNav | PayLeaf |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.1K ratings) — better | — |
| Positive reviews | 29.7% of reviews | — |
| Number of ratings | 1.1K — better | — |
| Update frequency | Every 6 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 14.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 47 MB | 52 MB |
| Age rating | 4+ | 4+ |
| Developer | CO-OP Financial Services | Nishan Singh |
Bugs and requests
CardNav
Reported bugs
3 issues- App crashes when trying to log in
- Unable to add or remove cards
- Delayed or missing transaction notifications
Requested features
4 requests- Restore Touch ID/Face ID login
- Add ability to transfer funds between accounts
- Improve password management support
- Provide better communication during app outages
PayLeaf
Not enough reviews yet to summarise bugs or requests.
In-app purchases
CardNav
No in-app purchases
PayLeaf
No in-app purchases









