Comparison

payme vs OSON

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

OSON

Manage your finances with this app, offering commission-free payments for various services, card-to-card transfers, and QR code payments. Track expenses with detailed analytics and secure transactions. It also provides eSIM services for global internet access.

Highlights
  • Commission-free payments
  • Card-to-card money transfers
  • QR code payments
  • Expense tracking and analytics
  • OSON eSIM for global internet
  • Secure transactions with PCI DSS certification
Features
Read full description

OSON is an online payments app that helps you easily handle everyday financial tasks. — OSON e-wallet is a new stage of life without plastic cards. You can open and use it in the national currencies of Uzbekistan and Kazakhstan. — Commission-free payments — from mobile services and internet to government and international services. — Card-to-card money transfers — fast, convenient, and reliable. — Utility bills, traffic fines (GIBDD/GAI), taxes — everything in one app. Save payments so you don’t have to re-enter details every time. — No need to carry a card — pay in shops, cafés, and restaurants using QR codes. — Full control of your expenses — track when, where, and how much you spent. Detailed analytics by cards and categories, income history, and receipts that never get lost. — Universal transfers — whether it’s VISA, Mastercard, HUMO, or UZCARD, add them to OSON and use them for instant transactions. — Make traveling easier — connect to the internet anywhere in the world with OSON eSIM. — Security — all transactions are protected according to international PCI DSS certification standards. We’ve implemented fast identification via MyID, a Session Anti-Fraud system to prevent fraud, and a built-in antivirus to protect the app.

Screenshots

payme4 screens
OSON4 screens

Verdict

The call

The clearest difference is rating: payme at 4.8 against OSON's 3.8. payme also leads on ratings volume (8.5K vs 34) and review sentiment (51% vs 32%). OSON's advantage is monetization model (ad-supported vs freemium) and iOS requirement (13.0 vs 16.5). On price, ads, in-app purchases and device support 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

payme holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: payme has 8.5K ratings behind it against 34, so its average is the more settled of the two. Written reviews point the same way: 51% of payme's written reviews are positive against 32% of OSON's.

UpkeepUpdate frequency

payme ships an update weekly, OSON every 3 weeks. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

Scorecard6 real differences · 4 level
payme versus OSON: the parameters behind the verdict, then further details
ParameterpaymeOSON
PriceFreeFree
Rating4.8 (8.5K ratings) — better3.8 (34 ratings)
Positive reviews50.7% of reviews — better31.6% of reviews
Number of ratings8.5K — better34
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumAd-supported — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.513.0 — better
Further details — not scored
Size613 MB131 MB
Age rating12+4+
DeveloperDIDA (INSPIRED LLC)Brio Group, MCJS

Customer experience

payme

All ratings8,495 ratings
Positive95.9%
Neutral1.2%
Negative2.9%
Written reviews73 reviews
Positive50.7%
Neutral5.5%
Negative43.8%

OSON

All ratings34 ratings
Positive67.6%
Neutral2.9%
Negative29.4%
Written reviews76 reviews
Positive31.6%
Neutral7.9%
Negative60.5%

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

OSON

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

payme

No in-app purchases

None

OSON

No in-app purchases

Questions

Is payme free?
payme is free to download, with no in-app purchases.
Is OSON free?
OSON is free to download, with no in-app purchases.
Which has better reviews, payme or OSON?
payme is rated higher. payme averages 4.8 out of 5 from 8.5K ratings, while OSON averages 3.8 from 34 ratings.
Do payme or OSON have ads?
Neither payme nor OSON shows ads.
Which is updated more often, payme or OSON?
payme ships an update weekly, and OSON every 3 weeks. Most recently, payme was updated on October 24, 2026 and OSON on October 22, 2026.

Other comparisons