Ammer Wallet vs PayWays
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ammer Wallet
Manage digital assets and use cryptocurrency for everyday purchases. Store, send, and receive various cryptocurrencies across multiple blockchain protocols. Create virtual cards or connect a hardware card for secure payments and merchant services.
- Store, send, receive cryptocurrencies
- Supports multiple blockchain protocols and currencies
- Virtual and hardware card options
- NFC payments with Ammer Pay
- Send crypto to Telegram contacts
- Become a merchant and accept crypto payments
- Earn tokens through merchant loyalty programs
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Ammer Wallet is a secure, non-custodial, multi-asset wallet app that allows you to easily manage your digital assets as well as fully use crypto for everyday shopping. You can store, send, receive cryptocurrencies. Ammer Wallet supports major blockchain protocols (Polygon, Ethereum, Waves, Celo, Casper, and others) and currencies (Bitcoin, Ton, Litecoin, Dogecoin, etc.). You can create up to 3 virtual cards or connect a hardware Ammer Card to your wallet for the highest security. Ammer Card has the traditional shape of a credit card and can be used for payment with Ammer Pay due to its NFC capability. Share crypto with your Telegram contacts! Just link Ammer Wallet with the Telegram account. You can easily become a merchant and start receiving crypto payments to your Ammer Wallet in less than 5 minutes. Just connect your virtual or physical Ammer Card to the Ammer Pay app. Games featured in the Ammer Wallet app enable you to earn tokens as part of the merchants’ loyalty program. Take advantage of blockchain technology in everyday life: make purchases, pay bills, renew service subscriptions, buy tickets and digital assets with the Ammer Ecosystem.
PayWays
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PayWays is the fastest way to pay for community services in Armenia. Stop standing in line at the bank — pay your garbage, water, building management, and property tax bills straight from your phone in a few taps. Features • Save all your properties in one place — apartments, houses, commercial spaces • Find your bills by phone number, tax ID, SSN, subscriber code, or address • See monthly, annual, and current-debt totals for every service • Pay with Idram or the government e-payments system • Full payment history for every account • Choose light or dark theme • Full Armenian language Why PayWays Transparent — see every debt and current bill on one screen. Secure — payments are processed by trusted external gateways (Idram, e-payments); we never store your payment data. Fast — pay in three taps, without extra steps. Support: info@payways.am
Screenshots
Verdict
Ammer Wallet and PayWays are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | Ammer Wallet | PayWays |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | — |
| Positive reviews | 20.0% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 3 weeks | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 121 MB | 31 MB |
| Age rating | 4+ | 4+ |
| Developer | Ammer Technologies AG | ITResources |
In-app purchases
Ammer Wallet
No in-app purchases
PayWays
No in-app purchases









