Comparison

Spitamen Pay vs Ayva

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

Head to head
About

Spitamen Pay

Manage your finances, make secure payments, and use a digital wallet on the go. Link bank cards, pay bills, and transfer funds instantly. Offers top-level security features and convenient access to financial information.

Highlights
  • Financial management and transaction history
  • Link Visa and Mastercard
  • Bill payments and mobile top-ups
  • Instant P2P transfers
  • Digital wallet with QR code payments
  • Secure login options (PIN, fingerprint, Face ID)
  • Currency exchange rates
Features
Read full description

Spitamen Pay – A Convenient and Secure Mobile Wallet Spitamen Pay is a mobile application that allows you to easily manage your finances, make payments and transfers, and use a digital wallet anytime, anywhere. Key Features: Financial Management • View your balance and transaction history. • Link Visa and Mastercard bank cards. • Card settings: blocking, PIN code changes, and online payment activation. • Add cards to GPay. Fast and Easy Payments • Pay for mobile services, utilities, internet, and more. • Instant transfers between Spitamen Pay users (P2P). • Transfers to bank cards and digital wallets. Digital Wallet • Top up your account via terminals and Spitamen Bank cash desks. • Generate QR codes to receive payments. • Pay using QR codes. Notifications • Instant alerts on transactions, promotions, and important updates. Top-Level Security • Secure login via SMS code, PIN code, fingerprint, or Face ID. • Data encryption and privacy protection. Additional Features • Currency exchange rates and conversion. • Locations of ATMs and Spitamen Bank branches. • Bank news, promotions, and customer support contacts. • Save favorite payments for quick access. Download Spitamen Pay and manage your finances with ease and security!

About

Ayva

Features
Read full description

Ayva помогает оформить лимит на покупки и управлять договорами рассрочки прямо со смартфона. Приложение развивается для рынков Узбекистана и Таджикистана и объединяет ключевые финансовые сценарии в одном интерфейсе. С Ayva вы можете: • входить по номеру телефона и SMS-коду; • проходить верификацию личности (паспорт + подтверждение лица); • узнавать доступный лимит после рассмотрения заявки; • отслеживать активные договоры, график и историю; • сканировать QR-код для быстрого перехода к договору; • добавлять и управлять банковскими картами; • пользоваться FAQ, публичной офертой и контактами поддержки. Почему это удобно: • интерфейс на русском и узбекском языках; • понятный путь от регистрации до контроля договоров; • все важные данные по лимиту и рассрочке в одном приложении. Ayva — удобный финансовый помощник на каждый день. Доступность функций и условий зависит от страны, партнера и результатов верификации.

Screenshots

Spitamen Pay4 screens
Ayva3 screens

Verdict

The call

Spitamen Pay and Ayva are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

Spitamen Pay ships an update every 2 weeks, Ayva every 3 weeks. The most recent releases landed on October 29, 2026 and October 28, 2026 respectively.

ScorecardNo meaningful differences
Spitamen Pay versus Ayva: the parameters behind the verdict, then further details
ParameterSpitamen PayAyva
PriceFreeFree
Rating3.7 (22 ratings) — better—
Positive reviews28.0% of reviews—
Number of ratings22 — better—
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.5 — better
Further details — not scored
Size72 MB184 MB
Age rating4+17+
DeveloperSpitamen BankUDEVS, MASULIYATI CHEKLANGAN JAMIYATI

In-app purchases

None

Spitamen Pay

No in-app purchases

None

Ayva

No in-app purchases

Questions

Is Spitamen Pay free?
Spitamen Pay is free to download, with no in-app purchases.
Is Ayva free?
Ayva is free to download, with no in-app purchases.
Do Spitamen Pay or Ayva have ads?
Neither Spitamen Pay nor Ayva shows ads.
Which is updated more often, Spitamen Pay or Ayva?
Spitamen Pay ships an update every 2 weeks, and Ayva every 3 weeks. Most recently, Spitamen Pay was updated on October 29, 2026 and Ayva on October 28, 2026.

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