PayLeafPricing
Fee Disclosure
Last updated: July 24, 2026
PayLeaf is free to download and free to keep. There is no monthly subscription, no terminal rental, no monthly minimum and no contract. You are charged only when you are paid.
Card payments — what you pay per transaction
| Charge | Amount |
|---|---|
| Card payment fee | 3.4% + 30¢ per transaction, all in — on a standard domestic Canadian card |
| Monthly fee | $0 |
Your rate includes payment processing. No monthly fees, no hidden charges.
Because 30¢ of that fee is fixed rather than a percentage, the share it takes depends on the size of the payment. On a $20.00 sale the fee is $0.98 — about 4.90% — while on a $1,000.00 invoice it is $34.30, or about 3.43%. Bundling several items into one payment rather than charging separately keeps that fixed portion down.
International and premium cards are processed at a higher rate than a standard domestic Canadian card.
Card payments settle immediately and are paid out by Stripe in approximately two business days.
Bank payments (Pay by bank)
Effective July 24, 2026. Pay by bank lets your customer pay an invoice directly from their Canadian bank account by pre-authorized debit (PAD), instead of by card. It carries one flat fee with no fixed per-payment portion, which is what makes it cheaper than a card on larger invoices.
| Charge | Amount |
|---|---|
| Bank payment fee | 1.5% of the invoice total, all in |
| Minimum fee | $5.00 per payment |
| Monthly fee | $0 |
Availability. Pay by bank is offered only on invoices with a total of $250.00 or more, and only while the option is enabled in your business settings. Below that total, and on QR and tap payments, invoices are card-only.
Settlement. A pre-authorized debit is not instant. The invoice moves to Processing when your customer authorizes the debit, and typically clears in three to five business days before payout begins. Card payments remain the faster option.
Failed debits. A debit can be returned — insufficient funds, a closed account, or a revoked authorization. When that happens PayLeaf automatically reopens the invoice as unpaid, notifies you, and makes the payment link usable again so your customer can retry or pay by card instead. No fee is charged on a payment that never cleared.
How the money moves
PayLeaf does not hold or move your money. Every payment is processed by Stripe and paid out by Stripe directly into the bank account you connect during onboarding. PayLeaf is a business payment tool — not a bank, wallet or money-transfer service.
The fee is deducted from each transaction before payout, so the amount that reaches your bank is the transaction total less that fee — one deduction, whichever way your customer paid. Your customer is charged the invoice amount and nothing more; PayLeaf never adds a surcharge at checkout.
For worked dollar examples of both methods and an interactive calculator, see the pricing page.
Other charges
Rates vary by card type, currency and country — the figures on this page are for a standard domestic Canadian card. Stripe, which processes and pays out every PayLeaf payment, may also charge for specific events such as disputes, refunds of currency-converted payments, or payouts to certain accounts, under its own terms.
Refunds
When you refund a payment from the PayLeaf app, the refunded amount is returned to your customer. Fee treatment on refunds follows Stripe's published policy for your account.
Taxes
GST, PST, HST and QST you configure in the app are calculated on your sale and collected on your behalf as part of the transaction total. Remitting those taxes to the relevant authority remains your responsibility.
Changes to fees
If a fee on this page changes, the change will be posted here with an effective date before it takes effect. Continued use of PayLeaf after that date means the updated fee applies.
Questions
See the Terms of Service for the full agreement, or reach us through the support page.