# UPay vs Paynet

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.

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.

## The numbers

| Metric | UPay | Paynet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (78 ratings)](https://appshunter.io/ios/app/upay/id1087694828/reviews)** | [4.6 (195 ratings)](https://appshunter.io/ios/app/paynet/id1307888692/reviews) |
| Number of ratings | 78 | **195** |
| Positive reviews | **50.0% of reviews** | 42.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 37 MB | 201 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Maroqand, MChJ](https://appshunter.io/developer/1546717684) | [JV Paynet LLC](https://appshunter.io/developer/1307888691) |

## What reviewers say

### UPay

[App page](https://appshunter.io/ios/app/upay/id1087694828)

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

**In-app purchases:** none


### Paynet

[App page](https://appshunter.io/ios/app/paynet/id1307888692)

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.

**Highlights:** Card-to-card money transfers, Payments for over 1000 services, Check bank card balances, Track expenses via payment history, Top up balances

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UPay free?

UPay is free to download, with no in-app purchases.

### Is Paynet free?

Paynet is free to download, with no in-app purchases.

### Which has better reviews, UPay or Paynet?

UPay is rated higher. UPay averages 4.9 out of 5 from 78 ratings, while Paynet averages 4.6 from 195 ratings.

### Do UPay or Paynet have ads?

Neither UPay nor Paynet shows ads.

### Which is updated more often, UPay or Paynet?

UPay ships an update every 6 weeks, and Paynet every 2 weeks. Most recently, UPay was updated on October 24, 2026 and Paynet on October 26, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*