Paynet vs Uzum Nasiya
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Uzum Nasiya
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.
- 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
Read full descriptionHide full description
Uzum Nasiya – 12 oygacha muddatli to'lov xizmati. Uzum Nasiya o'z foydalanuvchilariga hamkor nuqtalarda tovar va xizmatlarni onlayn va oflayn formatda 12 oygacha muddatli to'lovga xarid qilish imkoniyatini taklif etadi. Kechiktirilgan to'lovlar uchun foiz, jarima va penyalar yo'q! Siz istalgan do'kon va hamkor nuqtalarda bir necha daqiqa ichida xaridlarni boshlang'ich to'lovsiz amalga oshirishingiz va to'lovlarni esa qismlarga bo'lib to'lashingiz mumkin. Kelgusi to'lovlar belgilangan kartadan avtomatik ravishda yechib olinadi. Foydalanuvchilar uchun boshlang'ich to'ovsiz 3, 6 va 12 oylik muddatli to'lov (nasiya) tariflari mavjud. Uzum Nasiya muddatli to'lovi orqali xaridlarni oflayn va onlayn tarzda kiyim-kechak, poyabzal, kosmetika, parfyumeriya do'konlarida va servisning boshqa ko'plab hamkor nuqtalarida amalga oshirishingiz mumkin. Hamkorlarimiz orasida Why Music, 1fit, Mi-store, Idea, lg, Elmakon, Just, Mediapark, Goodzone kabi yirik brendlar bor. Uzum Marketda ham tovarlarni muddatli to'lovga xarid qilish imkoniyati mavjud: to'lov turida "Uzum Nasiya muddatli to'lovi"ni belgilang va 3, 6 yoki 12 oylik muddatdan birini tanlang. Shuningdek, endi sevimli taom va oziq-ovqatlarni ham Uzum Tezkor yetkazib berish xizmati orqali 4 ta teng qismlarga bo'lib muddatli to‘lovga xarid qilish imkoniyati mavjud. Saytda yoki ilovada ro'yxatdan o'ting va 25 000 000 so'mgacha limitga ega bo'ling. Buning uchun sizga pasport yoki ID-karta va bank kartasi kerak bo'ladi. Shundan so'ng sizda O'zbekiston bo'ylab kerakli tovar va xizmatlarni 25 000 000 so'mgacha bo'lgan limit asosida muddatli to'lovga xarid qilish imkoniyati paydo bo'ladi. Nasiya bo'yicha to'lovlarni O'zbekistonning istalgan bank kartalari hamda to'lov tizimlari orqali amalga oshirishingiz mumkin. O'zingizga qulay tizimni tanlang: Payme, Click, Uzum Bank, Paynet. Uzum Nasiya O'zbekiston bo'ylab 5000 dan ortiq hamkor nuqtalarga ega bo’lib, ular soni kundan kunga jadal sur’atlarda oshib bormoqda. Bizning hamkorlarimiz orasida quyidagilar mavjud: - Kosmetika va parfumeriya do'konlari; - O'quv markazlari; - Uzum Market marketpleysi; - Qurilish materiallari do'konlari, avtotovarlar; - Aksessuarlar, kiyim-kechak va poyabzal do'konlari; - Mebel, maishiy texnika va elektronika shourumlari. Agar sizda qandaydir savollar tug'ilsa, biz bilan https://t.me/UzumNasiyaBot boti yoki +998787771515 raqami orqali bog'lanishingiz mumkin. Bizning qo'llab-quvvatlash xizmatimiz har kuni soat 09:00 dan 22:00 gacha foydalanuvchilarimizga mamnuniyat bilan yordam berishga tayyor.
Screenshots
Verdict
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.
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 3.7. 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 October 30, 2026 respectively.
| Parameter | Paynet | Uzum Nasiya |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (198 ratings) — better | 3.7 (33 ratings) |
| Positive reviews | 42.5% of reviews — better | 11.1% of reviews |
| Number of ratings | 198 — better | 33 |
| Update frequency | Every 2 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.5 — better | 16.0 |
| Further details — not scored | ||
| Size | 201 MB | 66 MB |
| Age rating | 4+ | 4+ |
| Developer | JV Paynet LLC | UZUM TECHNOLOGIES MChJ. |
Customer experience
Paynet
Uzum Nasiya
In-app purchases
Paynet
No in-app purchases
Uzum Nasiya
No in-app purchases
