1. Home
  2. 💰 Finance
  3. Upay
Upay - Payments & Loyalty

Upay - Payments & Loyalty

by Uniware Systems Ltd

3 ratings
61 reviews
💰 Finance
Free

Details

Released
April 10, 2014
Updated
August 28, 2026

Features

Developer

Uniware Systems Ltd
✨Promote your app ✨
Upay - Payments & Loyalty screenshot #1 for iPhone
Upay - Payments & Loyalty screenshot #2 for iPhone
Upay - Payments & Loyalty screenshot #3 for iPhone
Upay - Payments & Loyalty screenshot #4 for iPhone
Upay - Payments & Loyalty screenshot #5 for iPhone
Upay - Payments & Loyalty screenshot #6 for iPhone
iphone
ipad
📌Ready
Reviews summary↘︎
⭐61
Reviews↘︎
📝4+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 months
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

This digital wallet allows you to make payments, earn rewards, and manage loyalty programs from your mobile device. It integrates with various businesses, offering features like online ordering and event access. Available globally, it's free to use.

✓Digital wallet
✓Payments and rewards
✓Stamp cards and loyalty programs
✓Online ordering for pickup/delivery
✓Event access
✓Voucher rewards
Show original description

What users say about Upay

Reviews of Upay are mostly negative: the Finance app is rated 1.0/5 from 3 App Store ratings. What users like most: user-friendly and easy to manage uni life, fast and efficient. Top complaints: login issues constantly, faceID/Fingerprint login not working. Summarized from real user reviews.

Positive things

  • 👍User-friendly and easy to manage uni life
  • 🚀Fast and efficient
  • 💡New features are great
  • 👍Useful for tracking spend and allergens
  • 💡Fresh design

Negative things

  • 🐛Login issues constantly
  • 🐛FaceID/Fingerprint login not working
  • 🐛App crashes and freezes
  • 🐛No notifications for balance changes
  • 🐛Poor and buggy interface
  • 🐛Unable to log in after logout
  • 🐛SSO expired errors
  • 🐛App fails to launch
  • 🐛Clumped on one side of the screen
  • 🐛Cannot enter fields for registration
  • 🐛Losing log-on details
  • 🐛Manual login required frequently
  • 🐛Cannot write in email to log in
  • 🐛Incorrect credit amounts
  • 🐛Unable to load card into wallet
  • 🐛Card declines when topping up
  • 🐛Cannot top up
  • 🐛Email not verified error
  • 🐛Password paste not working
  • 🐛Hidden minigame to bring up keyboard
  • 🐛Company possibly bust
  • 🐛White screen after update
  • 🐛Cannot register account
  • 🐛QR code reads as 'no credit'
  • 🐛Only top up one child
  • 🐛Unsupported version error
  • 🐛Loyalty points not usable
  • 🐛Not clear or friendly for loyalty card
  • 🐛Slow to load
  • 🐛Buttons not working
  • 🐛Keyboard not coming up
  • 🐛SMS reset not arriving
  • 🐛Basic things not working
  • 🐛Website also broken
  • 🐛App is a mess since update
  • 🐛Clunky, no auto scan
  • 🐛Struggles to select text boxes
  • 🐛No auto fill options
  • 🐛Lacks system integration
  • 🐛Mobile website experience
See all reviews

What's New in Upay

v5.3.4

August 28, 2026

Miscellaneous UI and workflow changes

User reviews

Most RecentHighest RatedLowest Rated

App works

Great app!
less concerned citizen5678less concerned citizen5678

Awful

A slow and clunky app that uses non standard UI elements meaning you can’t do things like use the iOS autofill to enter address or card info. Given the sole purpose of this app is to make payments, it fails spectacularly at its only job. Unintuitive, clunky and laborious to use. I would rather send payments via pigeon carrier.
Show more
Benhen311Benhen311

Terrible experience

Appalling, took 1hour to get working and logged in. Worst app I have used.
GerbulstrummerGerbulstrummer

Never works

This app is absolute garbage. I’ve missed out on getting tickets to many events at no fault of my own because the single sign on option constantly decides to stop working. I’ve reached out to support numerous times and never hear back from them.
Concerned citizen1234Concerned citizen1234

No notifications

This app gives no notifications when balances changes even though all settings are on to get them. Have problems logging in every time using the app. Need to use this app for my child’s school and was in debt with the school because i could log in and having no notifications
DidundonitDidundonit
See 56 more reviews

Developer apps

Roadchef Captain's Club
Roadchef Captain's Club

by Uniware Systems Ltd

💰 Finance
Free
Roadchef Truck Master's
Roadchef Truck Master's

by Uniware Systems Ltd

💰 Finance
Free
Social Kitchen Co
Social Kitchen Co

by Uniware Systems Ltd

💰 Finance
Free
Hallam Eat
Hallam Eat

Campus food and drink

🍔 Food & Drink
Free
Upay One
Upay One

by Uniware Systems Ltd

💰 Finance
Free
With Ads
See developer apps

User experience

🐞

Reported Bugs

30 issues

Login issues

Bug

FaceID/Fingerprint not working

Bug

App crashes

Bug

No notifications

Bug

SSO errors

Bug

App not launching

Bug

UI layout issues

Bug

Text input problems

Bug

Keyboard not appearing

Bug

App is 'borked'

Bug

White screen after update

Bug

Registration errors

Bug

Forgotten password emails not received

Bug

QR code payment failures

Bug

Card declined for top-up

Bug

Email verification issues

Bug

Password paste disabled

Bug

Unsupported version errors

Bug

Buttons not working

Bug

SMS reset codes not delivered

Bug

Loyalty points not redeemable

Bug

Slow loading times

Bug

App stuck at login page

Bug

Cannot add card details

Bug

Incorrect credit calculation

Bug

App losing log-on details

Bug

Manual login required frequently

Bug

Cannot enter registration fields

Bug

Clumped UI elements

Bug

Website also broken

Bug
✨

Requested Features

16 requests

Fix FaceID/Fingerprint login

Feature

Implement notifications for balance changes

Feature

Improve SSO reliability

Feature

Fix text input and keyboard issues

Feature

Add auto scan for cards

Feature

Add auto fill options

Feature

Improve system integration

Feature

Add notification center and quick balance widget

Feature

Allow topping up multiple children

Feature

Fix loyalty point system usage

Feature

Make loyalty card usage clearer and friendlier

Feature

Improve app performance and loading times

Feature

Fix issues with password paste

Feature

Allow pasting into password box

Feature

Fix issues with multiple children

Feature

Allow scanning card details

Feature

FAQ

What does the Upay app do?

The Upay app functions as a digital wallet, enabling users to make payments, earn rewards, and manage loyalty programs from their mobile devices. It connects with various shops, restaurants, and cafes, offering features like online ordering and access to events.

What are the key features of Upay?

Key features include digital payments, earning rewards and promotions, managing stamp cards and loyalty programs, online ordering for pickup and delivery, and access to events. The specific modules available depend on the business or establishment you are using Upay with.

Is Upay free to use?

Yes, the Upay app is free for users to download and use forever. There are no costs associated with using its payment and loyalty features.

Where is Upay available?

Upay is growing globally and is currently available in the UK, Europe, and Asia Pacific regions. You can use it with businesses and establishments that have integrated the Upay system.

How can I get help or ask questions about Upay?

You can contact Upay for any questions by emailing helpdesk@upay.co.uk. Additionally, you can follow them on social media platforms like Twitter, Instagram, and Facebook and send them a message.