CTZPay vs My R2O
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CTZPay
This lifestyle application facilitates digital payments for everyday needs like bills, top-ups, and transfers. It also allows users to purchase bus tickets and access exclusive rewards and loyalty promotions.
- Digital payments
- Bill payment
- Top-up services
- Money transfers
- Bus ticket purchases
- Rewards and loyalty promotions
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CTZPay is the lifestyle application that enables digital payment. CTZPay effortlessly combines financial and lifestyle activities, making it smarter, faster and easier to pay for everything; from daily essentials like bill payment, top up, transfer, and buy bus tickets. CTZPay users can also enjoy many exciting rewards and loyalty promotions available for all users.
My R2O
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KEY FEATURES Contract at a Glance View your contract details, asset information, and contract progress in one place. Track how much you've paid, your monthly payment amount, and your remaining balance. Easy Payments Make your monthly payment securely through your preferred payment method — AYA Pay, CTZPay, OK$, KBZPay or Wave Money. Choose to pay a single payment, several at once, or complete your rental plan early. Payment Schedule & History See your full payment schedule with due dates and statuses at a glance. Review your complete payment history and transaction details whenever you need them. Loyalty Rewards Maintain a good re payment record and track your progress toward becoming eligible for exclusive Loyalty offers. In-App Support Get quick answers from our AI assistant, or connect with a live support agent when you need extra help. Secure & Private Log in quickly and securely using your PIN or biometric authentication (fingerprint/face). Your personal and financial information is protected with industry-standard encryption. Available in English and Myanmar (Burmese) Rent 2 Own (R2O) helps you get the products you need today, with a clear and manageable rental re payment plan. Download the R2O Client App to take control of your renting journey. For support, contact us at johnny@r2omm.com or use the in-app chat.
Screenshots
Verdict
The clearest difference is update cadence: My R2O at every 4 days against CTZPay's every 2 months. On price, ads, in-app purchases and device support 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.
CTZPay ships an update every 2 months, My R2O every 4 days. The most recent releases landed on October 29, 2026 and October 26, 2026 respectively.
| Parameter | CTZPay | My R2O |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (75 ratings) — better | — |
| Positive reviews | 16.7% of reviews | — |
| Number of ratings | 75 — better | — |
| Update frequency | Every 2 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 59 MB | 44 MB |
| Age rating | 4+ | 4+ |
| Developer | CAPITAL CONNECT LIMITED | Hoang Quach |
In-app purchases
CTZPay
No in-app purchases
My R2O
No in-app purchases









