Comparison

Payd vs Lenote

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

Head to head
About

Payd

Features
Read full description

PayD is a digital payment app designed for international visitors in Vietnam. It allows you to pay instantly at local merchants using USDT, credit cards, or mobile wallets; eliminating the need for cash exchanges and high foreign transaction fees. Top up your balance, scan any supported local QR code, and pay seamlessly in seconds. Key Features: - Crypto & USDT Payments: Spend USDT directly at supported local businesses across Da Nang. - No Bank Account Required: Top up and pay straight from your crypto wallet. - Multiple Payment Options: Full support for USDT, Visa, Mastercard, Apple Pay, and Google Pay. - Fair & Transparent FX: Competitive exchange rates with zero tourist markups; view exact costs before confirming every transaction. - Instant QR Scanning: Scan local merchant QR codes and complete payments in seconds. - Bank-Grade Security: Funds and personal data protected to international security and encryption standards. - Seamless Local Experience: Skip exchange counters and cash confusion; pay the way Vietnamese pays. How PayD Works 1. Top Up: Load funds using USDT, or pay directly via Cards, Apple Pay, or Google Pay. 2. Scan QR: Open the app and scan the merchant's QR code at supported venues. 3. Confirm: Check the conversion rate and approve your transaction instantly. Customer Support Need assistance with a payment or top-up? Our support team is available 24/7 in-app or via support@payd.com. PayD - Pay Crypto, Go Local.

About

Lenote

Features
Read full description

Lenote – Personal Loan Tracker Do you lend money to friends, family, or colleagues? Lenote helps you keep track of every personal loan in one place. Record who you've lent money to, monitor repayments, and receive reminders before payments are due—so you never lose track of your money. Key Features Record every loan Save borrower information, loan amount, loan date, due date, payment method, notes, and repayment history. Track repayment status See whether a loan is unpaid, partially paid, or fully repaid, and monitor all outstanding loans at a glance. Smart payment reminders Get notified before repayment due dates so you never miss an expected payment. Borrower management Keep borrower contact information and easily review their lending history. Secure & private Your data is securely stored on your device and remains under your control. Why choose Lenote? Save time by managing all your personal loans in one place. Never forget who owes you money. Stay organized with a clear overview of your outstanding loans. Simple, clean, and easy to use. Download Lenote today and take control of your personal lending. Privacy Policy: https://hiepnguyen98.github.io/SoghinoPrivacyPage/en Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Payd4 screens
Lenote4 screens

Verdict

The call

The clearest difference is in-app purchases: Payd at none against Lenote's 2. Payd also leads on ads (none vs shown). On price, update cadence, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Lenote sells 2 in-app purchases, starting at $1.99 per month. Payd asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 4 level
Payd versus Lenote: the parameters behind the verdict, then further details
ParameterPaydLenote
PriceFreeFree
Update frequencyFortnightlyFortnightly
AdsNo — betterYes
In-app purchasesNo — betterYes
DevicesiPhoneiPhone
Requires iOS16.616.4 — better
Further details — not scored
Size86 MB69 MB
Age rating4+4+
DeveloperPayd Joint Stock CompanyHiep Nguyen Ba

In-app purchases

None

Payd

No in-app purchases

2 purchases

Lenote

Subscriptions2
  • Monthly Supscription$1.991 Month
  • Annually Subscription$19.991 Year

Questions

Is Payd free?
Payd is free to download, with no in-app purchases.
Is Lenote free?
Lenote is free to download, with in-app purchases available.
Do Payd or Lenote have ads?
Lenote shows ads; Payd does not.
Which is updated more often, Payd or Lenote?
Payd ships an update fortnightly, and Lenote fortnightly. Most recently, Payd was updated on October 30, 2026 and Lenote on October 31, 2026.

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