payme vs Paynet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
Paynet
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.
- Card-to-card money transfers
- Payments for over 1000 services
- Check bank card balances
- Track expenses via payment history
- Top up balances
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Paynet — bu faqat to‘lovlar emas, shu bilan birga sizning ishonchli yordamchingiz. Tezkor o‘tkazmalar, kommunal xizmatlar uchun qulay to‘lovlar va 2 000 dan ortiq xizmat turlari – hammasi sizning hamyoningizda! — Pul o‘tkazmalari va to‘lovlar bir necha marta bosish orqali Endi moddiy ko‘rinishdagi kartani uyda qoldirishingiz mumkin! Kartangizdagi pulni HUMO va Uzcard kartalariga karta yoki telefon raqami orqali o‘tkazing. — Keshbek va bonuslar Paynet orqali xizmatlar uchun to‘lovlarga 5% gacha keshbek oling. Birinchi to‘lov uchun esa yoqimli bonus - 10% keshbek — Kommunal va boshqa turdagi xizmatlar uchun to‘lovlar Elektr energiyasi, suv, internet va hokazo – endi barcha xarajatlaringizga to‘lovni bir-ikki marta bosish orqali amalga oshirishingiz mumkin. 2000 dan ortiq xizmatlar smartfoningizda! — Moliya manbalarini boshqarish HUMO va Uzcard kartalarining balansini ilovaning o‘zidan tekshiring. To‘lovlar va o‘tkazmalar tarixi qo‘l ostingizda – xarajatlarni nazorat qilish yanada oson bo‘ldi. Nimaga Paynetni tanlashyapti? — O‘zbekistonda 20 milliondan ortiq foydalanuvchilar. — Oson va ishonchlilik. — Kun-u tun qo‘llab-quvvatlash tizimi va oson tushunadigan interfeys. Paynet — bu kundalik to‘lov va o‘tkazmalaringiz uchun eng kerakli yechim: tez, qulay va xavfsiz! Bog'lanish uchun:+998 (71) 202 07 07 info@paynet.uz Facebook: https://www.facebook.com/paynetuz.uz Telegram: @Paynetuz_official Instagram: @Paynet.uzb
Screenshots
Verdict
The clearest difference is monetization model: Paynet at free against payme's freemium. Paynet also leads on device support (3 vs 1). payme's advantage is ratings volume (8.5K vs 190) and rating (4.8 vs 4.6). On price, ads, in-app purchases and iOS requirement 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
payme holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: payme has 8.5K ratings behind it against 190, 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 43% of Paynet's.
payme ships an update weekly, Paynet every 2 weeks. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.
| Parameter | payme | Paynet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (8.5K ratings) — better | 4.6 (190 ratings) |
| Positive reviews | 50.7% of reviews — better | 42.5% of reviews |
| Number of ratings | 8.5K — better | 190 |
| Update frequency | Weekly — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.5 | 15.5 — better |
| Further details — not scored | ||
| Size | 602 MB | 199 MB |
| Age rating | 12+ | 4+ |
| Developer | DIDA (INSPIRED LLC) | JV Paynet LLC |
Customer experience
payme
Paynet
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
Paynet
Not enough reviews yet to summarise bugs or requests.
In-app purchases
payme
No in-app purchases
Paynet
No in-app purchases







