Comparison

U!Pay vs Telcell Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

U!Pay

This e-wallet simplifies payments and money transfers directly from your smartphone. It features a new, user-friendly design with an expanded service list and a high level of security for convenient transactions.

Highlights
  • Instant payments
  • Money transfers
  • Money withdrawal
  • User-friendly design
  • High security
  • PIN transaction approval
Features
Read full description

Your payment system. E-wallet for simple and instant payments. An updated version of the Upay wallet launched with 1. Completely new and user-friendly design 2. Expanded list of services 3. High level of security Upay is an up-to-date e-wallet that allows users to make: - Various payments with a few taps - Money transfers directly from smartphone in a convenient, fast and safe way - Money withdrawal in 42 Upay branches Get started: - Download Upay e-wallet now - Register by entering registration details and one-time activation code - Create your PIN for easy transaction approval.

About

Telcell Wallet

This app provides a secure and convenient digital wallet for making online payments, transferring money, and managing various financial services. It allows users to pay bills, purchase goods with QR codes, and track expenses.

Highlights
  • Online payments
  • Money transfers
  • Bill payments
  • QR code purchases
  • Virtual card creation
  • Expense tracking
  • Loyalty program
Features
Read full description

Telcell Wallet - an app, a wallet and convenient solutions for purchases. But that’s not all… FAST, SIMPLE, SECURE You’ll get an application that will allow you to easily make and receive transfers, get quick access to card and banking services and make secure online payments any time. YOU’RE JUST 2 STEPS AWAY Download Telcell Wallet Identify yourself Discover the world of convenient solutions… PAYMENT FOR SERVICES - Mobile connection - Bank transfers - Utility payments - Public services - Internet and TV - Credit - Betting - Taxi - Games - Insurance - Many more PURCHASES Pay for products and services with a QR code at 2000+ sales points of our partners MONEY TRANSFERS AND TRANSACTIONS - To Telcell Wallet of friends, partners and relatives, wherever they are - To any Armenian bank card - To any bank account - To foreign e-wallets TELCELL WALLET REPLENISHMENT - From attached cards - Via banking cards - Via money transfers - From bookmaker account - Request from another Telcell Wallet - Via loan - Through 4500+ Telcell terminals across the country IN ADDITION, YOU CAN Create Visa Digital virtual card Buy transport tickets Buy tickets for concerts and events from your wallet Attach a bank card to your wallet and make card payments Use a financial analysis tool that helps you keep track of your expenses and manage your budget Attach car data and receive fine notifications Request and receive loans Receive instant notifications of all transactions, transfers and invoices Receive a monthly statement to your email Create favorite and group payments, thereby simplifying the use of your most loved and necessary services BON by Telcell LOYALTY PROGRAM We love our users and that’s why our team has developed a loyalty program. By making a payment through Telcell Wallet, you get bonus points. They can be exchanged for different products and services in BON, right in your wallet. We are waiting for you! Download the app and discover new possibilities… If you already use Telcell Wallet and have something to share, leave feedback here or send it to the e-mail address support@telcell.am. Your suggestions will help us make the app even better!

Screenshots

U!Pay4 screens
Telcell Wallet4 screens

Verdict

The call

The clearest difference is rating: U!Pay at 3.2 against Telcell Wallet's 2.8. U!Pay also leads on iOS requirement (13.0 vs 15.0). Telcell Wallet's advantage is ratings volume (94 vs 22). On price, review sentiment, update cadence and ads 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

U!Pay holds the better App Store score, 3.2 against 2.8. Both are backed by a comparable volume of ratings — 22 and 94 respectively. Written reviews complicate that: 21% of U!Pay's written reviews are positive against 24% of Telcell Wallet's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

U!Pay ships an update monthly, Telcell Wallet every 3 weeks. The most recent releases landed on September 18, 2026 and September 21, 2026 respectively.

Scorecard3 real differences · 7 level
U!Pay versus Telcell Wallet: the parameters behind the verdict, then further details
ParameterU!PayTelcell Wallet
PriceFreeFree
Rating3.2 (22 ratings) — better2.8 (94 ratings)
Positive reviews21.4% of reviews23.7% of reviews — better
Number of ratings2294 — better
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size150 MB252 MB
Age rating4+4+
DeveloperUcom LLCTelcell CJSC

Customer experience

U!Pay

All ratings22 ratings
Positive50.0%
Neutral9.1%
Negative40.9%
Written reviews14 reviews
Positive21.4%
Neutral7.1%
Negative71.4%

Telcell Wallet

All ratings94 ratings
Positive43.6%
Neutral1.1%
Negative55.3%
Written reviews93 reviews
Positive23.7%
Neutral4.3%
Negative72.0%

In-app purchases

None

U!Pay

No in-app purchases

None

Telcell Wallet

No in-app purchases

Questions

Is U!Pay free?
U!Pay is free to download, with no in-app purchases.
Is Telcell Wallet free?
Telcell Wallet is free to download, with no in-app purchases.
Which has better reviews, U!Pay or Telcell Wallet?
U!Pay is rated higher. U!Pay averages 3.2 out of 5 from 22 ratings, while Telcell Wallet averages 2.8 from 94 ratings.
Do U!Pay or Telcell Wallet have ads?
Neither U!Pay nor Telcell Wallet shows ads.
Which is updated more often, U!Pay or Telcell Wallet?
U!Pay ships an update monthly, and Telcell Wallet every 3 weeks. Most recently, U!Pay was updated on September 18, 2026 and Telcell Wallet on September 21, 2026.

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