Comparison

payme vs Upay.net

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

Head to head
About

payme

This app simplifies your financial life by allowing you to pay bills, transfer money, and manage expenses all in one place. Enjoy commission-free payments, earn bonuses, and even pay in stores using QR codes. Track your spending with detailed analytics and access exclusive features with a subscription.

Highlights
  • Pay bills and fines without commission
  • Card-to-card money transfers
  • Earn bonuses and cashback
  • QR code payments in stores
  • Expense tracking and analytics
  • Subscription for premium features
Features
Read full description

payme — moliya bilan bog'liq masalalarni hal qilishda yordam beradigan kundalik onlayn to'lov xizmatingiz. • YHXBB jarimalari, kommunal to'lovlar, soliqlar — barchasi ortiqcha to'lovlarsiz bitta ilovada. Kartadan kartaga pul o'tkazmalari ham payme bilan tez va qulay. • Doimiy mijozlarga bonuslar - To'lovlar va pul o'tkazmalari uchun payme sizga ballar beradi. Ularni “payme people” dasturi doirasida keshbek va chegirmalarga almashtirishingiz mumkin. Masalan, taom buyurganingizda yoki kurs uchun to'lov qilganingizda. • Komissiyasiz to'lovlar - payme'da mobil aloqa va internetdan boshlab, davlat xizmatlari-yu jarimalargacha to'lov qilish mumkin. Ayniqsa xizmatlarni saqlab qo’yib, qarzga kirmaslik uchun ularning balansini kuzatib borish juda qulay. • Kartangizni olib yurishingiz shart emas - ”payme go” servisi do'kon, kafe va restoranlarda kartasiz to’lash imkonini beradi. Shunchaki, ilovada "payme go" yoki "QR to'lov" bo'limini ochasiz va to'laysiz — bu hatto terminal orqali to'lashdan tezroq. •Xarajatlaringiz nazoratingiz ostida - Ilova yordamida qachon, qayerda va qancha sarflaganingizni kuzatib borishingiz mumkin. Kirim va chiqimlar haqida batafsil ma'lumot, karta va toifalar bo’yicha tahlil, hech qachon yo’qolmaydigan cheklar — barchasi payme’da. • Bitta obuna — ko'plab imkoniyatlar - payme plus obunasini yoqsangiz: limit doirasida kartadan kartaga komissiyasiz pul o’tkazasiz, Setanta Sports efirlarini bepul tomosha qilasiz va boshqa maxsus imkoniyatlarga ega bo'lasiz. • Pul o’tkazishning sinalgan usuli - Visa debet kartasi bo’ladimi, virtual karta yoki Humo debet kartasi — payme’ga qo'shing va ulardan pul o’tkazish uchun foydalaning. Barcha tranzaksiyalar xalqaro standartlar va PCI DSS sertifikatlari bilan himoyalangan. ----- Uzbekistan's leading payment service: • Pay traffic fines, utility bills, taxes – pay everything without commission in one application. Manage your expenses and send money transfers from card to card in payme. • Bonuses for regular customers - Transfer money to Humo and Uzcard cards, pay for services and get payme people points that can be exchanged for cashback or discounts. • Payments without commission - For a multitude of services: from mobile and internet to government services and fines. Save services and set up autopayments to keep track of your balance and avoid missing a payment. • You don't need your card anymore - Pay in stores, cafes and restaurants with payme go. Simply show the QR code at the checkout and the required amount will be deducted from any chosen card, debit or credit. • Control your spending - Track where, when and how much you spend. All detailed information about your income and expenses is available in payment monitoring, along with receipts and analytics. • Save on fees with a subscription - Connect payme plus and enjoy all the features of the app: transfer money from card to card without commission within the limit, track your expenses and watch Setanta Sports. • A secure way to transfer money - Send money risk-free from Visa, Uzcard and Humo debit cards. All transactions in payme are protected by international standards and PCI DSS certification.

About

Upay.net

Easily top up mobile phones, internet, and utility services for family and friends abroad. This secure service supports various payment methods and offers a convenient way to manage transactions.

Highlights
  • Mobile top-up for Uzbekistan and Tajikistan
  • Internet and utility bill payments
  • Multiple payment methods (Visa, Mastercard, PayPal)
  • Transaction history
  • Save favorite numbers
  • Instant delivery after verification
Features
Read full description

UPAYNET is a modern and secure mobile recharge service that enables to send credit to mobile phones, internet service providers, utilities and many other services in Uzbekistan and Tajikistan. Now everyone who lives, studies or works abroad will be able to top up mobile phones of their family members and friends quickly, safely and conveniently! Our company was founded in 2016 in New York and already has more than 100.000 users around the world, every day we are working to improve the quality of service, adding new destination countries and new mobile providers. Top up accounts of all cellular companies in Uzbekistan and Tajikistan; - Payment of Internet service providers services in Uzbekistan and Tajikistan; - Payment of utility services of Uzbekistan and Tajikistan; - Payment for various other services and providers in Uzbekistan and Tajikistan; - Different payment methods Visa, Master Card, Discovery, PayPal, AMEX etc.; - Your personal information and payment details are safe; - The history of your transactions directly on your phone; - Convenient and simple interface; - Ability to save favorite numbers; - Automatic payments and instant delivery after verification of your billing information; - The most reliable website for sending minutes to Uzbekistan; - Leader in sending mobile recharge from abroad to Uzbekistan and Tajikistan. Our webpage: https://upay.net Our channel in Telegram: https://t.me/uzpaynet4u Our page on Facebook: https://www.facebook.com/upaynet Our page on Instagram: https://www.instagram.com/upaynet/ 24/7 Customer support: +1 877 7738355, +1 718 5032282 Email: support@upay.net info@upay.net UPAYNET – это современный и безопасный сервис пополнения мобильных счетов Узбекистана и Таджикистана из заграницы. Теперь каждый, кто живет, работает или учиться заграницей, сможет пополнять счета своим родным и близким быстро, безопасно и удобно! Наша компания была основано в 2016 году в Нью – Йорке и уже имеет более 100.000 тысяч пользователей по всему миру, мы каждый день работаем над улучшением качества обслуживание, добавлением новых стран и операторов. - Пополнение счетов всех сотовых компаний Узбекистана,Таджикистан и США; - Оплата интернет провайдеров Узбекистана иТаджикистана; - Оплата коммунальных услуг Узбекистана и Таджикистана; - Оплата разных сервисов и провайдеров Узбекистана и Таджикистана; - Разные способы оплаты Visa, Master Card, Discovery, American Express, PayPal и т.д.; - Безопасность Ваших данных и Ваших платежей; - История Ваших транзакций прямо на Вашем телефоне; - Удобный и простой интерфейс; - Возможность сохранение любимых номеров; - Автоматические платежи и моментальная доставка после верификации Ваших платежных данных; - Самый надежный сайт отправки минут в Узбекистан и Таджикистан; - Лидер по количеству пополнений счетов мобильных телефонов отправляемых из заграницы в Узбекистан и Таджикистан. Наш сайт: https://upay.net Канал в Telegram: https://t.me/uzpaynet4u Мы в Facebook: https://www.facebook.com/upaynet Мы а в Instagram: https://www.instagram.com/upaynet/ 24/7 Службы поддержки: +1 877 7738355, +1 718 5032282 Email: support@upay.net info@upay.net #mobile recharge #mobile top up #mobile reload #mobile credit #mobile airtime #upaynet #мобильная оплата #пополнить баланс мобильного #upaynet #юпайнет #отправка мобильных минут #пополнение мобильного счёта #мобильный платёж

Screenshots

payme4 screens
Upay.net4 screens

Verdict

The call

payme and Upay.net both sit at 4.8 stars, but that hides the real split: 91% of Upay.net's written reviews are positive against 51% of payme's. Upay.net also leads on device support (3 vs 1). payme's advantage is ads (none vs shown) and update cadence (weekly vs monthly). On price, rating, ratings volume 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

On the App Store both sit at effectively the same score — 4.8 for payme against 4.9 for Upay.net. Both are backed by a comparable volume of ratings — 8.4K and 5.1K respectively. Written reviews are what separate them: 51% of payme's written reviews are positive against 91% of Upay.net's.

UpkeepUpdate frequency

payme ships an update weekly, Upay.net monthly. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

Scorecard4 real differences · 6 level
payme versus Upay.net: the parameters behind the verdict, then further details
ParameterpaymeUpay.net
PriceFreeFree
Rating4.8 (8.4K ratings)4.9 (5.1K ratings) — better
Positive reviews51.4% of reviews90.9% of reviews — better
Number of ratings8.4K — better5.1K
Update frequencyWeekly — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreemiumFree with in-app purchases
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.515.6 — better
Further details — not scored
Size451 MB105 MB
Age rating12+4+
DeveloperDIDA (INSPIRED LLC)Uzrek Payment Systems Inc

Customer experience

payme

All ratings8,421 ratings
Positive96.0%
Neutral1.2%
Negative2.8%
Written reviews72 reviews
Positive51.4%
Neutral5.6%
Negative43.1%

Upay.net

All ratings5,115 ratings
Positive97.9%
Neutral0.4%
Negative1.7%
Written reviews99 reviews
Positive90.9%
Neutral1.0%
Negative8.1%

User reviews

payme

From 8.4K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 🚀 Quick and efficient money transfers
  • 💡 Useful for monitoring transactions

Room to improve

  • 🐛 Bugs and crashes on certain devices
  • 💰 High service fees
  • 🔌 Compatibility issues with older devices

Upay.net

From 5.1K App Store ratings

What we love

  • 👍 Great service
  • 🚀 Fast and efficient
  • 💡 Convenient and easy to use
  • 🔒 Secure transactions
  • 👍 Excellent customer support

Room to improve

  • 💰 High service fees
  • 🐛 Occasional technical issues
  • 🚫 Concerns about potential scams

Bugs and requests

payme

Reported bugs

4 issues
  • Icons not loading when abroad
  • Monitoring section not updating
  • Registration and login issues
  • Balance display bug

Requested features

4 requests
  • Full-screen support for iPad
  • Free money transfer option
  • Improved monitoring and analytics
  • Cashback or rewards program

Upay.net

Reported bugs

2 issues
  • Login issues
  • Inconsistent app performance

Requested features

3 requests
  • Add support for more payment methods
  • Improve exchange rate transparency
  • Introduce a fee-free option for certain transactions

In-app purchases

None

payme

No in-app purchases

None

Upay.net

No in-app purchases

Questions

Is payme free?
payme is free to download, with no in-app purchases.
Is Upay.net free?
Upay.net is free to download, with no in-app purchases.
Which has better reviews, payme or Upay.net?
Upay.net is rated higher. payme averages 4.8 out of 5 from 8.4K ratings, while Upay.net averages 4.9 from 5.1K ratings.
Do payme or Upay.net have ads?
Upay.net shows ads; payme does not.
Which is updated more often, payme or Upay.net?
payme ships an update weekly, and Upay.net monthly. Most recently, payme was updated on September 23, 2026 and Upay.net on September 25, 2026.

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