MilliÖN vs akart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MilliÖN
This application provides a fast and convenient way to make daily online payments. It supports a wide range of services, including government fees, utilities, mobile top-ups, and more. Users can register with a phone number or use the app without an account.
- Daily online payments
- Government and utility bill payments
- Mobile operator top-ups
- Create payment templates
- Save payment cards
- Earn bonuses on payments
- Payment history tracking
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MilliÖN – gündəlik ödəmələri rahat və sürətli etmək üçün onlayn ödəniş sistemidir. MilliÖN tətbiqində tək mobil nömrəni qeyd edərək qeydiyyatdan keçmək mümkündür. Qeydiyyatdan keçmədən də tətbiqdən faydalanmaq olar. Ödəniş xidmətləri: - Dövlət ödənişləri - Kommunal xidmət - Mobil operatorlar - Bank xidmətləri - Telefon - Elektron pul kisəsi - Sığorta - Təhsil - Kabel TV - İnternet - Çatdırılma xidməti - Mərc oyunları - Agent şəbəkasi - E-ticarət Şablonların yaradılması Ödənişlərinizi sürətli həyata keçirmək və vaxtınıza qənaət etmək üçün şəxsi şablonlarınızı yaradın Kartların yadda saxlanılması Şəxsi kartınızı yaratmaqla, istədiyiniz kommunal və ya rabitə xidmətlərinin ödənişini daha da rahat şəkildə həyata keçirə bilərsiniz. Kart məlumatları tam olaraq məxfi saxlanılır. Bonuslar İstənilən xidmət üzrə ödəniş edilən zaman bonuslar qazanırsınız. Ödəniş tarixçəsi Bütün kommunal və ya rabitə xidmətləri üçün ödənişlərinizi sürətli və təhlükəsiz şəkildə həyata keçirə və bütün ödənişlərə real rejimdə nəzarət edə bilərsiniz.
akart
Manage your finances and make payments with a digital debit card. Easily activate, top up, and use for contactless, online, and in-app purchases. Earn cashback and bonuses on your spending.
- Contactless, in-app, and online payments
- Send money by name or phone number
- Fast transfers to other bank cards
- Monthly cashback and gigabyte bonuses
- Easy activation with biometric verification
- Add to Apple/Google Wallet
- Top up with no commission
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akart is a free debet card. You can activate it wherever you are with just one tap. akart will help you to manage all your financial transactions in a seamless manner: You will make contactless, in-app, online payments just with one akart, You will send money to your friends by name or phone number, avoiding typing 16 digits wrongly, You will send money to other bank cards very fast, You will earn monthly cashback or gigabyte bonuses on payments, without choosing any payment category Get akart wherever you are Activate akart in just a few simple steps: Type your mobile phone number Enter required ID information Pass the biometric verification Choose and repeat the PIN code to enter the application. To save time, allow Face/Touch ID. And all set up! Now it’s time to add your akart to Apple/Google Wallet and start to make contactless payments. Top up your akart with no commission. Open doors to convenient payments, top up your akart first. You can top up your balance either at the app, or at the nearest “eManat” terminals. To manage the process faster, save the other bank card from which you top up your akart. Make convenient payments with akart. Top up either your or any friend’s mobile phone balance, Pay for utility bills. In addition, activate the automated regime to pay on time, Make payments for Internet, TV, Phone, Government, Insurance, Parking, ASAN Services, Education, etc. Transfer money fast with akart It’s possible to transfer money from akart either to another akart by name or phone number, or to other bank cards in a fast manner. To make the process faster, you can save the card for further transfers. Earn monthly bonuses on payments. akart offers monthly cashback and gigabyte bonuses on payments without choosing a category. It’s possible to earn a maximum of 100 AZN cashback or 10 GB of internet based on your choice. Please find cashback bonuses here: 2% at supermarkets, pharmacies, petrol stations, and auto parts stores; 1% on mobile balance top-ups, Azərsu, Azərişıq, Azəristiliktəhcizatt, taxi, restaurants, entertainment, parking, clothes, and other categories. akart also has a partner network. If you want to know where you can earn more cashback by paying with akart, go to the app. For further information, you can check the akart.az website. The customer care center is always here to solve your questions and concerns. * 3443 You can support us in the improvement of the app with your feedback.
Screenshots
Verdict
The clearest difference is review sentiment: akart at 29% against MilliÖN's 0%. MilliÖN's advantage is rating (4.8 vs 4.4) and iOS requirement (13.0 vs 15.0). On price, ratings volume, update cadence and ads 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.
MilliÖN holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 82 and 42 respectively. Written reviews complicate that: 0% of MilliÖN's written reviews are positive against 29% of akart's, so the app with the better star average is not the one people write more warmly about.
MilliÖN ships an update fortnightly, akart every 2 weeks. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.
| Parameter | MilliÖN | akart |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (82 ratings) — better | 4.4 (42 ratings) |
| Positive reviews | 0.0% of reviews | 28.6% of reviews — better |
| Number of ratings | 82 — better | 42 |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 40 MB | 167 MB |
| Age rating | 17+ | 12+ |
| Developer | PashaPay LLC | Azercell Telecom LLC |
Customer experience
MilliÖN
akart
In-app purchases
MilliÖN
No in-app purchases
akart
No in-app purchases









