Comparison

UPay vs OSON

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

Head to head
About

UPay

Make payments and receive cashback in UCoins, which can be used for services. Supports offline payments, utility bills, electronic wallets, and various bank cards. Transfer money online and pay for state services.

Highlights
  • Cashback on payments (UCoins)
  • Offline payment capability
  • Utility bill payments with receipts
  • Electronic wallet top-ups
  • Support for Uzcard, Humo, UnionPay
  • Online card-to-card transfers
  • State service payments
Read full description

To'lovlar uchun Cashback To'lovlarni amalga oshiring va UCoins shaklida Cashback ga ega bo'ling. UCoins bilan xizmatlarga to'lov qilishingiz mumkin. Offline holatida to'lov Internet tarmog'iga ulanmasdan turib ham to'lasangiz bo'ladi. Kommunal to'lovlar, kvitansiya va balansni ko'rish imkoniyati bilan Har bir to'lovdan so'ng kvitansiya olishingiz hamda balansingizni doimo kuzatish imkoniyati mavjud. Elektron hamyonni to'ldirish Webmoney, Qiwi, Yandex Money va boshqalarga to'lovlar. Kartalarni qo'llab-quvvatlash Banklarning Uzcard, HumoCard va UnionPay to'lov kartalari yordamida to'lang. Shuningdek, ATTO transport kartasining balansini to'ldirish bilan birga kuzatib borish ham mumkin. Pul o'tkazmalari Kartadan kartaga online tarzida pul o'tkazing. Davlat xizmatlari Notarius, FHDYO, Soliqlar, YHXBB jarimalari, my.gov.uz va boshqa davlat xizmatlari uchun to'lovlar. ----------------------------- Cashback при оплате Платите и получайте cashback в виде UCoins, которые можно использовать для оплаты услуг. Offline режим, оплата без интернета Можно платить даже без подключения к интернету. Коммунальные услуги с квитанцией и с балансом При каждой оплате дается квитанция, можно следить за балансом. Пополнение электронных кошельков Webmoney, Qiwi, Яндекс Деньги и др. Поддержка карт Платите с помощью банковских карт Uzcard, Humo, Unionpay. Также можно пополнять и следить за балансом единых транспортных карт ATTO. Перевод средств Переводите деньги с карты на карту в режиме онлайн. Госуслуги Оплата за Нотариус, ЗАГС, Налоги, Штрафы ГУБДД, my.gov.uz и другие госуслуги. ----------------------------- Yordam kerakmi? / Нужна помощь? Qo'llab-quvvatlash xizmati / Cлужба поддержки: +998 71 200 00 85 Telegram: t.me/upayuzb Facebook: fb.com/upay.uz Instagram: instagram.com/upay.uz Web: upay.uz

About

OSON

Manage your finances with this app, offering commission-free payments for various services, card-to-card transfers, and QR code payments. Track expenses with detailed analytics and secure transactions. It also provides eSIM services for global internet access.

Highlights
  • Commission-free payments
  • Card-to-card money transfers
  • QR code payments
  • Expense tracking and analytics
  • OSON eSIM for global internet
  • Secure transactions with PCI DSS certification
Features
Read full description

OSON is an online payments app that helps you easily handle everyday financial tasks. — OSON e-wallet is a new stage of life without plastic cards. You can open and use it in the national currencies of Uzbekistan and Kazakhstan. — Commission-free payments — from mobile services and internet to government and international services. — Card-to-card money transfers — fast, convenient, and reliable. — Utility bills, traffic fines (GIBDD/GAI), taxes — everything in one app. Save payments so you don’t have to re-enter details every time. — No need to carry a card — pay in shops, cafés, and restaurants using QR codes. — Full control of your expenses — track when, where, and how much you spent. Detailed analytics by cards and categories, income history, and receipts that never get lost. — Universal transfers — whether it’s VISA, Mastercard, HUMO, or UZCARD, add them to OSON and use them for instant transactions. — Make traveling easier — connect to the internet anywhere in the world with OSON eSIM. — Security — all transactions are protected according to international PCI DSS certification standards. We’ve implemented fast identification via MyID, a Session Anti-Fraud system to prevent fraud, and a built-in antivirus to protect the app.

Screenshots

UPay4 screens
OSON4 screens

Verdict

The call

The clearest difference is rating: UPay at 4.9 against OSON's 3.8. UPay also leads on review sentiment (50% vs 32%) and monetization model (free vs ad-supported). OSON's advantage is update cadence (every 3 weeks vs every 6 weeks). On price, ratings volume, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

UPay holds the better App Store score, 4.9 against 3.8. Both are backed by a comparable volume of ratings — 78 and 34 respectively. Written reviews point the same way: 50% of UPay's written reviews are positive against 32% of OSON's.

UpkeepUpdate frequency

UPay ships an update every 6 weeks, OSON every 3 weeks. The most recent releases landed on June 11, 2026 and September 1, 2026 respectively.

Scorecard4 real differences · 6 level
UPay versus OSON: the parameters behind the verdict, then further details
ParameterUPayOSON
PriceFreeFree
Rating4.9 (78 ratings) — better3.8 (34 ratings)
Positive reviews50.0% of reviews — better31.6% of reviews
Number of ratings78 — better34
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size37 MB131 MB
Age rating4+4+
DeveloperMaroqand, MChJBrio Group, MCJS

Customer experience

UPay

All ratings78 ratings
Positive97.4%
Neutral0.0%
Negative2.6%
Written reviews20 reviews
Positive50.0%
Neutral10.0%
Negative40.0%

OSON

All ratings34 ratings
Positive67.6%
Neutral2.9%
Negative29.4%
Written reviews76 reviews
Positive31.6%
Neutral7.9%
Negative60.5%

In-app purchases

None

UPay

No in-app purchases

None

OSON

No in-app purchases

Questions

Is UPay free?
UPay is free to download, with no in-app purchases.
Is OSON free?
OSON is free to download, with no in-app purchases.
Which has better reviews, UPay or OSON?
UPay is rated higher. UPay averages 4.9 out of 5 from 78 ratings, while OSON averages 3.8 from 34 ratings.
Do UPay or OSON have ads?
Neither UPay nor OSON shows ads.
Which is updated more often, UPay or OSON?
UPay ships an update every 6 weeks, and OSON every 3 weeks. Most recently, UPay was updated on June 11, 2026 and OSON on September 1, 2026.

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