Comparison

CardNav vs PayLeaf

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

Head to head
About

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.

Highlights
  • Transaction alerts
  • Customizable usage settings
  • Define card usage locations
  • Define card usage times
  • Card monitoring and management
Features
Read full description

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

About

PayLeaf

Features
Read full description

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

CardNav4 screens
PayLeaf4 screens

Verdict

The call

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

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

CardNav ships an update every 6 months, PayLeaf weekly. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

Scorecard2 real differences · 8 level
CardNav versus PayLeaf: the parameters behind the verdict, then further details
ParameterCardNavPayLeaf
PriceFreeFree
Rating4.4 (1.1K ratings) — better—
Positive reviews29.7% of reviews—
Number of ratings1.1K — better—
Update frequencyEvery 6 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS14.0 — better16.4
Further details — not scored
Size47 MB52 MB
Age rating4+4+
DeveloperCO-OP Financial ServicesNishan 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

None

CardNav

No in-app purchases

None

PayLeaf

No in-app purchases

Questions

Is CardNav free?
CardNav is free to download, with no in-app purchases.
Is PayLeaf free?
PayLeaf is free to download, with no in-app purchases.
Do CardNav or PayLeaf have ads?
Neither CardNav nor PayLeaf shows ads.
Which is updated more often, CardNav or PayLeaf?
CardNav ships an update every 6 months, and PayLeaf weekly. Most recently, CardNav was updated on October 24, 2026 and PayLeaf on October 20, 2026.

Other comparisons