# payme vs Upay.net

payme and Upay.net both sit at 4.8 stars, but that hides the real split: 92% 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.

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 — 4.8 for payme against 4.9 for Upay.net. Both are backed by a comparable volume of ratings — 8.5K and 5.2K respectively. Written reviews are what separate them: 51% of payme's written reviews are positive against 92% of Upay.net's.

payme ships an update weekly, Upay.net monthly. Both last shipped on October 24, 2026.

## The numbers

| Metric | payme | Upay.net |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (8.5K ratings)](https://appshunter.io/ios/app/payme/id1093525667/reviews) | **[4.9 (5.2K ratings)](https://appshunter.io/ios/app/upaynet/id1187731173/reviews)** |
| Number of ratings | **8.5K** | 5.2K |
| Positive reviews | 50.7% of reviews | **91.7% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Monthly |
| Monetization | Freemium | Free with in-app purchases |
| Size | 613 MB | 106 MB |
| Requires iOS | 16.5 | **15.6** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 12+ | 4+ |
| Developer | [DIDA (INSPIRED LLC)](https://appshunter.io/developer/607586534) | [Uzrek Payment Systems Inc](https://appshunter.io/developer/1187731172) |

## What reviewers say

### payme

[App page](https://appshunter.io/ios/app/payme/id1093525667)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Upay.net

[App page](https://appshunter.io/ios/app/upaynet/id1187731173)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Login issues
- Inconsistent app performance

**Requested features**

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


## Frequently asked 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 8.5K ratings, while Upay.net averages 4.9 from 5.2K 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 October 24, 2026 and Upay.net on October 24, 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.*