UPay vs Paynet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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 descriptionHide 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
Paynet
This app allows users to top up balances, make payments, transfer funds, and store money. It supports card-to-card transfers, payments for over 1000 services, checking bank card balances, and tracking expenses through payment history.
- Card-to-card money transfers
- Payments for over 1000 services
- Check bank card balances
- Track expenses via payment history
- Top up balances
Read full descriptionHide full description
Paynet — bu faqat to‘lovlar emas, shu bilan birga sizning ishonchli yordamchingiz. Tezkor o‘tkazmalar, kommunal xizmatlar uchun qulay to‘lovlar va 2 000 dan ortiq xizmat turlari – hammasi sizning hamyoningizda! — Pul o‘tkazmalari va to‘lovlar bir necha marta bosish orqali Endi moddiy ko‘rinishdagi kartani uyda qoldirishingiz mumkin! Kartangizdagi pulni HUMO va Uzcard kartalariga karta yoki telefon raqami orqali o‘tkazing. — Keshbek va bonuslar Paynet orqali xizmatlar uchun to‘lovlarga 5% gacha keshbek oling. Birinchi to‘lov uchun esa yoqimli bonus - 10% keshbek — Kommunal va boshqa turdagi xizmatlar uchun to‘lovlar Elektr energiyasi, suv, internet va hokazo – endi barcha xarajatlaringizga to‘lovni bir-ikki marta bosish orqali amalga oshirishingiz mumkin. 2000 dan ortiq xizmatlar smartfoningizda! — Moliya manbalarini boshqarish HUMO va Uzcard kartalarining balansini ilovaning o‘zidan tekshiring. To‘lovlar va o‘tkazmalar tarixi qo‘l ostingizda – xarajatlarni nazorat qilish yanada oson bo‘ldi. Nimaga Paynetni tanlashyapti? — O‘zbekistonda 20 milliondan ortiq foydalanuvchilar. — Oson va ishonchlilik. — Kun-u tun qo‘llab-quvvatlash tizimi va oson tushunadigan interfeys. Paynet — bu kundalik to‘lov va o‘tkazmalaringiz uchun eng kerakli yechim: tez, qulay va xavfsiz! Bog'lanish uchun:+998 (71) 202 07 07 info@paynet.uz Facebook: https://www.facebook.com/paynetuz.uz Telegram: @Paynetuz_official Instagram: @Paynet.uzb
Screenshots
Verdict
The clearest difference is rating: UPay at 4.9 against Paynet's 4.6. UPay also leads on iOS requirement (13.0 vs 15.5). Paynet's advantage is update cadence (every 2 weeks vs every 6 weeks). On price, review sentiment, ratings volume and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UPay holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 78 and 195 respectively. Written reviews point the same way: 50% of UPay's written reviews are positive against 43% of Paynet's.
UPay ships an update every 6 weeks, Paynet every 2 weeks. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.
| Parameter | UPay | Paynet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (78 ratings) — better | 4.6 (195 ratings) |
| Positive reviews | 50.0% of reviews — better | 42.5% of reviews |
| Number of ratings | 78 | 195 — better |
| Update frequency | Every 6 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 37 MB | 201 MB |
| Age rating | 4+ | 4+ |
| Developer | Maroqand, MChJ | JV Paynet LLC |
Customer experience
UPay
Paynet
In-app purchases
UPay
No in-app purchases
Paynet
No in-app purchases
