# UPay vs A

UPay and A both sit at 4.9 stars, but that hides the real split: 100% of A's written reviews are positive against 50% of UPay's. UPay's advantage is ratings volume (78 vs 1) and iOS requirement (13.0 vs 15.0). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.9 for UPay against 5.0 for A. That said, the two scores are not equally well evidenced: UPay has 78 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 50% of UPay's written reviews are positive against 100% of A's.

UPay ships an update every 6 weeks, A every 2 months. The most recent releases landed on June 11, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | UPay | A |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (78 ratings)](https://appshunter.io/ios/app/upay/id1087694828/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/a-pay-3/id1660729012/reviews)** |
| Number of ratings | **78** | 1 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 37 MB | 128 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Maroqand, MChJ](https://appshunter.io/developer/1546717684) | [CENTER FOR DIGITAL TECHNOLOGY AND INNOVATION, OOO](https://appshunter.io/developer/1581086379) |

## 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


### A

[App page](https://appshunter.io/ios/app/a-pay-3/id1660729012)

This financial service allows users to make convenient transfers and earn cashback on purchases using electronic money. Enjoy benefits like cashback on mobile top-ups, internet, utilities, and travel, along with commission-free transfers between users.

**Highlights:** Cashback up to 3% on various services, Commission-free transfers between A-Pay wallets, 10% cashback on OSAGO (car insurance), 2% cashback on flight tickets, 0% commission for transfers to Turkey, High security standards and PCI DSS certification

**In-app purchases:** none


## Frequently asked questions

### Is UPay free?

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

### Is A free?

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

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

A is rated higher. UPay averages 4.9 out of 5 from 78 ratings, while A averages 5.0 from 1 ratings.

### Do UPay or A have ads?

Neither UPay nor A shows ads.

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

UPay ships an update every 6 weeks, and A every 2 months. Most recently, UPay was updated on June 11, 2026 and A on June 1, 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.*