payme vs xazna
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.
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.
- 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
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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
Verdict
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
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 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.
payme ships an update weekly, xazna fortnightly. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.
| Parameter | payme | xazna |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (8.5K ratings) — better | 3.9 (63 ratings) |
| Positive reviews | 50.0% of reviews — better | 30.8% of reviews |
| Number of ratings | 8.5K — better | 63 |
| Update frequency | Weekly — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Freemium | Free — better |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 605 MB | 333 MB |
| Age rating | 12+ | 17+ |
| Developer | DIDA (INSPIRED LLC) | АT "Xalq Bank" |
Customer experience
payme
xazna
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
payme
No in-app purchases
xazna
No in-app purchases






