# Paynet vs Uzum Nasiya

The clearest difference is rating: Paynet at 4.6 against Uzum Nasiya's 3.7. Paynet also leads on review sentiment (43% vs 11%) and ratings volume (198 vs 33). On price, update cadence, ads and in-app purchases there is nothing between them.

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 3.7. That said, the two scores are not equally well evidenced: Paynet has 198 ratings behind it against 33, so its average is the more settled of the two. Written reviews point the same way: 43% of Paynet's written reviews are positive against 11% of Uzum Nasiya's.

Paynet ships an update every 2 weeks, Uzum Nasiya every 10 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Paynet | Uzum Nasiya |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (198 ratings)](https://appshunter.io/ios/app/paynet/id1307888692/reviews)** | [3.7 (33 ratings)](https://appshunter.io/ios/app/uzum-nasiya-muddatli-tolov/id1579281935/reviews) |
| Number of ratings | **198** | 33 |
| Positive reviews | **42.5% of reviews** | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 201 MB | 66 MB |
| Requires iOS | **15.5** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [JV Paynet LLC](https://appshunter.io/developer/1307888691) | [UZUM TECHNOLOGIES MChJ.](https://appshunter.io/developer/1626986785) |

## What reviewers say

### Paynet

[App page](https://appshunter.io/ios/app/paynet/id1307888692)

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:** macOS Compatibility

**In-app purchases:** none


### Uzum Nasiya

[App page](https://appshunter.io/ios/app/uzum-nasiya-muddatli-tolov/id1579281935)

This service allows users to purchase goods and services on deferred payment terms for up to 12 months. Enjoy interest-free installments with no penalties for late payments. Apply online or in-person with a limit of up to 25,000,000 UZS.

**Highlights:** Deferred payment up to 12 months, Interest-free installments, No penalties for late payments, Initial payment-free purchases, Automatic payment deduction, Up to 25,000,000 UZS limit, Wide network of partner points

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Paynet free?

Paynet is free to download, with no in-app purchases.

### Is Uzum Nasiya free?

Uzum Nasiya is free to download, with no in-app purchases.

### Which has better reviews, Paynet or Uzum Nasiya?

Paynet is rated higher. Paynet averages 4.6 out of 5 from 198 ratings, while Uzum Nasiya averages 3.7 from 33 ratings.

### Do Paynet or Uzum Nasiya have ads?

Neither Paynet nor Uzum Nasiya shows ads.

### Which is updated more often, Paynet or Uzum Nasiya?

Paynet ships an update every 2 weeks, and Uzum Nasiya every 10 days. Most recently, Paynet was updated on November 2, 2026 and Uzum Nasiya on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*