OSON vs Paynet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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.
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
Read full descriptionHide 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | OSON | Paynet |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (34 ratings) | 4.6 (190 ratings) — better |
| Positive reviews | 31.6% of reviews | 42.5% of reviews — better |
| Number of ratings | 34 | 190 — better |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 131 MB | 199 MB |
| Age rating | 4+ | 4+ |
| Developer | Brio Group, MCJS | JV Paynet LLC |
Customer experience
OSON
Paynet
In-app purchases
OSON
No in-app purchases
Paynet
No in-app purchases









