PayLeafThe e-transfer that never comes
You finish the job, send your account details, and then spend two weeks sending polite reminders. The customer isn't dodging you — they just forgot, and there is nothing in front of them to pay.
Contractor payments
Invoice from the job site. Get paid before you pack up.
PayLeaf turns the invoice into the payment. Build it on your phone in the driveway, hand the customer a QR code, and the job is closed out before you have loaded the truck — no e-transfer to chase, no cheque to deposit, no terminal to carry.
GST & PST on invoices$0 per monthPaid by QR or bank
Sound familiar?
The work is done. The money is somewhere else.
Invoices written at 9pm
After a ten-hour day you still have to type out line items, work out the GST, and get it looking professional enough to send. So it waits until Sunday, and payment waits with it.
Deposits, cheques and holds
A cheque means a trip to the branch and a hold before the funds clear. Cash means a paper trail you have to rebuild at tax time from memory and a shoebox.
How PayLeaf fits a trade
Describe the job. The invoice writes itself.
Tell PayLeaf what you did in the words you would use on the phone — “replaced kitchen faucet, two hours labour, parts” — and it drafts proper line items with sensible pricing. It learns from the invoices you have already sent, so the descriptions come back sounding like your business rather than a template. Everything stays editable, and nothing is sent until you approve it.
Add GST and PST with a toggle. Your GST/HST number, business name and logo sit on every invoice, which is what the customer's bookkeeper is going to ask for anyway. The finished invoice is a branded PDF you can send by text, email or WhatsApp, or print and leave on the counter.
Every invoice carries its own QR pay code. The customer points a phone camera at it and lands on a secure Stripe-powered page showing the exact amount owed — no app to install, no amount to type in, no chance of paying the wrong figure. On larger jobs you can also offer pay by bank, which costs you a flat 1.5% instead of card processing.
The moment it settles, the invoice marks itself paid, you get a push notification, and the customer gets an email receipt. You are not reconciling anything on Sunday night — it is already done.
Line items drafted from one sentence, GST calculated, PAID stamped on settlement.
Big jobs, smaller fees
What you actually receive.
Square is cheaper on card. PayLeaf wins when your customer pays by bank on invoices $250+ — and PayLeaf is $0/month with no terminal.
| Invoice | PayLeaf card3.4% + 30¢ | PayLeaf bank1.5% flat | Square invoice2.8% + 30¢ card |
|---|---|---|---|
| $500.00 | $482.70 | $492.50 | $485.70 |
| $1,000.00 | $965.70 | $985.00 | $971.70 |
| $5,000.00 | $4,829.70 | $4,925.00 | $4,859.70 |
Amount received after processing fees. Rates checked Oct 2026 — Square Canada pricing page; PayLeaf rates from /pricing. Run your own numbers in the fee calculator.
Built for the job site
Quote it, bill it, get paid — from the truck.
Deposits & progress payments
Split one invoice into a 50% deposit and 50% on completion — or up to 4 stages. Each stage gets its own pay link, and the invoice tracks what has been paid.
GST & PST with a toggle
Set your province once. GST, PST or HST are calculated on the subtotal and shown as their own lines, with your GST/HST number on the PDF.
AI line items
Describe the job in a sentence and PayLeaf drafts the line items. Everything stays editable, and nothing is sent until you approve it.
Paid, automatically
The moment the payment settles the invoice flips to Paid, you get a push notification, and the customer gets a receipt.
See every fee worked out on the pricing calculator.
FAQ
Straight answers.
Yes — that is the intended workflow. Build the invoice in the app, add GST and PST, and share the PDF or the payment link straight from your phone before you leave. The QR pay code is generated with the invoice, so there is nothing to set up per job.
No. They scan the QR code with their phone's normal camera and pay on a secure Stripe-powered web page, or they tap the link you texted them. There is nothing for them to download and no account for them to create.
You set your province and tax profile once, and PayLeaf applies it to every invoice and every QR payment — GST plus PST in BC, HST in Ontario, GST plus QST in Quebec. It calculates on the subtotal and shows each tax as its own line, and your GST/HST registration number appears on the invoice PDF. You can still issue a single invoice with no tax when a job calls for it. Collecting the tax is handled for you; remitting it to the CRA is still your responsibility.
Yes. Split any invoice into a 50% deposit and 50% on completion, or into up to 4 progress payments. Each stage has its own pay link and is marked paid on its own, and the invoice shows the customer exactly what is due now and what has already been paid.
A card payment is 3.4% + 30¢ all in — $68.30 on $2,000, leaving you $1,931.70. Offer pay by bank instead and the whole fee is 1.5% flat, or $30.00. There is no monthly fee either way, so a slow month costs you nothing.
On any invoice of $250 or more. The fee is 1.5% flat with a $5.00 minimum, against 3.4% + 30¢ for a card, so on a $5,000 job bank leaves you $95.30 more. Bank payments take a few business days longer to arrive than card payouts.
More questions? The full FAQ covers fees, payouts, refunds and GST in detail.