Comparison

365P@y Merchant vs Phajot

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

Head to head
About

365P@y Merchant

Features
Read full description

365P@y Merchant is an e-banking application which allows customers to make transactions at any time and any place with merchant. This app is compatible with almost every smart device such as smart Phones, tablets…which are connected to 3G/WIFI/GPRS. Developed by Sacombank Lao. Service: β€’ Can make QR code by myself β€’ Transition managementd

About

Phajot

Features
Read full description

Where did your money go? Let Phajot tell you. Phajot is a friendly money tracker made for the way people really live in Laos. Log an expense in seconds, typed the way you would say it, and Phajot sorts it out for you. No spreadsheets, no stress. THREE CURRENCIES, ONE CLEAR PICTURE Spend in Kip, Baht and Dollars? Phajot keeps all three separate and clear, so you always know where you stand this month. JUST TYPE IT "coffee 15000" and it is done. Phajot reads it, puts it in a category and remembers it. Fast enough to log before your change reaches the counter. SEE YOUR MONTH, CLEARLY A simple monthly summary shows where your money actually went, by category and by day, so the end of the month is never a mystery. BUDGETS AND GOALS, GENTLY Set a budget, save toward a goal. Phajot tells you straight when you are getting close to the line, like a friend, not a bank. SPLIT BILLS WITH PHASHARE Out with friends? Split the bill evenly or by item and record just your share. No awkward maths. SNAP A RECEIPT Point your camera at a receipt and Phajot turns it into a record. MONTHLY WRAP At the end of each month Phajot tells the story of where your money went, in plain words. Phajot is not a bank, not a lender and not a payment app. It is simply a calmer way to watch your money. Everything in Phajot is included. There is nothing to buy. Built in Laos, for Laos. Available in Lao, Thai and English.

Screenshots

365P@y Merchant4 screens
Phajot4 screens

Verdict

The call

The clearest difference is update cadence: Phajot at every 11 days against 365P@y Merchant's every 6 months. 365P@y Merchant's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

365P@y Merchant ships an update every 6 months, Phajot every 11 days. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard2 real differences Β· 4 level
365P@y Merchant versus Phajot: the parameters behind the verdict, then further details
Parameter365P@y MerchantPhajot
PriceFreeFree
Update frequencyEvery 6 monthsEvery 11 days β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 β€” better15.0
Further details β€” not scored
Size21 MB10 MB
Age rating4+4+
DeveloperSAIGON TREASURE COMMERCIAL JOINT STOCK BANKWinnity Sole Co., Ltd

In-app purchases

None

365P@y Merchant

No in-app purchases

None

Phajot

No in-app purchases

Questions

Is 365P@y Merchant free?
365P@y Merchant is free to download, with no in-app purchases.
Is Phajot free?
Phajot is free to download, with no in-app purchases.
Do 365P@y Merchant or Phajot have ads?
Neither 365P@y Merchant nor Phajot shows ads.
Which is updated more often, 365P@y Merchant or Phajot?
365P@y Merchant ships an update every 6 months, and Phajot every 11 days. Most recently, 365P@y Merchant was updated on October 26, 2026 and Phajot on October 24, 2026.

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