Comparison

payme vs xazna

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

xazna

Manage your finances, control accounts and cards, pay for services, and make transfers securely. Access government services without digital signatures and get information on banking services and loans.

Highlights
  • Financial control and expense tracking
  • Government service access without digital signature
  • Banking service information
  • Loan management and early repayment
  • Service payments (mobile, utilities, taxes)
  • QR code payments
  • Card and phone number transfers
  • Currency exchange
Features
Read full description

С xazna вы можете легко и безопасно контролировать свои финансы, управлять счетами и картами, оплачивать любые услуги, совершать переводы и многое другое. Все Услуги - Контролируйте свои расходы и поступления, начисление социальных выплат. - Используйте xazna для получения государственных услуг без использование ЭЦП - Информация о банковских услуг: условия бесплатного обслуживания, комиссия за перевод и привилегии - Доступные действия по кредитам: частичное и полное досрочное погашение, просмотр графика платежей и основной информации по кредиту - Оплачивать мобильную связь, интернет, ЖКХ, телевидение, налоги, штрафы ГИБДД и многое другое - Оплачивайте услуги с помощью QR-кода - Пополняйте свои HUMO карты бесплатно с HUMO карт других банков - Перевод денег по номеру карты, номеру телефона - Обмен валюты по выгодному курсу Онлайн-регистрация новых продуктов и услуг - Текущие и сберегательные счета Мы продолжаем работать над развитием и улучшением приложения на основе ваших отзывов.

Screenshots

payme4 screens
xazna4 screens

Verdict

The call

The clearest difference is rating: payme at 4.8 against xazna's 3.9. payme also leads on ratings volume (8.5K vs 63) and review sentiment (50% vs 31%). xazna's advantage is monetization model (free vs freemium). 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 3.9. That said, the two scores are not equally well evidenced: payme has 8.5K ratings behind it against 63, so its average is the more settled of the two. Written reviews point the same way: 50% of payme's written reviews are positive against 31% of xazna's.

UpkeepUpdate frequency

payme ships an update weekly, xazna fortnightly. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard5 real differences · 5 level
payme versus xazna: the parameters behind the verdict, then further details
Parameterpaymexazna
PriceFreeFree
Rating4.8 (8.5K ratings) — better3.9 (63 ratings)
Positive reviews50.0% of reviews — better30.8% of reviews
Number of ratings8.5K — better63
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.515.0 — better
Further details — not scored
Size605 MB333 MB
Age rating12+17+
DeveloperDIDA (INSPIRED LLC)АT "Xalq Bank"

Customer experience

payme

All ratings8,505 ratings
Positive95.9%
Neutral1.2%
Negative2.9%
Written reviews74 reviews
Positive50.0%
Neutral5.4%
Negative44.6%

xazna

All ratings62 ratings
Positive69.4%
Neutral8.1%
Negative22.6%
Written reviews13 reviews
Positive30.8%
Neutral15.4%
Negative53.8%

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

xazna

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

payme

No in-app purchases

None

xazna

No in-app purchases

Questions

Is payme free?
payme is free to download, with no in-app purchases.
Is xazna free?
xazna is free to download, with no in-app purchases.
Which has better reviews, payme or xazna?
payme is rated higher. payme averages 4.8 out of 5 from 8.5K ratings, while xazna averages 3.9 from 63 ratings.
Do payme or xazna have ads?
Neither payme nor xazna shows ads.
Which is updated more often, payme or xazna?
payme ships an update weekly, and xazna fortnightly. Most recently, payme was updated on October 29, 2026 and xazna on October 30, 2026.

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