Comparison

OSON vs Paynet

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

Head to head
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.

About

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.

Highlights
  • Card-to-card money transfers
  • Payments for over 1000 services
  • Check bank card balances
  • Track expenses via payment history
  • Top up balances
Features
Read full description

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

OSON4 screens
Paynet4 screens

Verdict

The call

The clearest difference is rating: Paynet at 4.6 against OSON's 3.8. Paynet also leads on monetization model (free vs ad-supported) and review sentiment (43% vs 32%). OSON's advantage is iOS requirement (13.0 vs 15.5). On price, update cadence, ads and in-app purchases 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

Paynet holds the better App Store score, 4.6 against 3.8. That said, the two scores are not equally well evidenced: Paynet has 190 ratings behind it against 34, so its average is the more settled of the two. Written reviews point the same way: 32% of OSON's written reviews are positive against 43% of Paynet's.

UpkeepUpdate frequency

OSON ships an update every 3 weeks, Paynet every 2 weeks. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
OSON versus Paynet: the parameters behind the verdict, then further details
ParameterOSONPaynet
PriceFreeFree
Rating3.8 (34 ratings)4.6 (190 ratings) — better
Positive reviews31.6% of reviews42.5% of reviews — better
Number of ratings34190 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.5
Further details — not scored
Size131 MB199 MB
Age rating4+4+
DeveloperBrio Group, MCJSJV Paynet LLC

Customer experience

OSON

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

Paynet

All ratings190 ratings
Positive89.5%
Neutral2.1%
Negative8.4%
Written reviews40 reviews
Positive42.5%
Neutral10.0%
Negative47.5%

In-app purchases

None

OSON

No in-app purchases

None

Paynet

No in-app purchases

Questions

Is OSON free?
OSON is free to download, with no in-app purchases.
Is Paynet free?
Paynet is free to download, with no in-app purchases.
Which has better reviews, OSON or Paynet?
Paynet is rated higher. OSON averages 3.8 out of 5 from 34 ratings, while Paynet averages 4.6 from 190 ratings.
Do OSON or Paynet have ads?
Neither OSON nor Paynet shows ads.
Which is updated more often, OSON or Paynet?
OSON ships an update every 3 weeks, and Paynet every 2 weeks. Most recently, OSON was updated on October 14, 2026 and Paynet on October 16, 2026.

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