# Payoo vs VNPAY Merchant

The clearest difference is rating: VNPAY Merchant at 4.2 against Payoo's 3.8. VNPAY Merchant also leads on review sentiment (62% vs 40%) and ratings volume (76 vs 14). On price, update cadence, ads and in-app purchases there is nothing between them.

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

VNPAY Merchant holds the better App Store score, 4.2 against 3.8. That said, the two scores are not equally well evidenced: VNPAY Merchant has 76 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 40% of Payoo's written reviews are positive against 62% of VNPAY Merchant's.

Payoo ships an update every 3 weeks, VNPAY Merchant fortnightly. Both last shipped on October 29, 2026.

## The numbers

| Metric | Payoo | VNPAY Merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (14 ratings)](https://appshunter.io/ios/app/payoo/id977004309/reviews) | **[4.2 (76 ratings)](https://appshunter.io/ios/app/vnpay-merchant/id1270677646/reviews)** |
| Number of ratings | 14 | **76** |
| Positive reviews | 40.0% of reviews | **61.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 120 MB | 434 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VIET UNION ONLINE SERVICES CORPORATION](https://appshunter.io/developer/1499757606) | [VNPAY](https://appshunter.io/developer/443364658) |

## What reviewers say

### Payoo

[App page](https://appshunter.io/ios/app/payoo/id977004309)

Manage and pay utility bills like electricity, water, and internet from a single account. Offers online or cash payment options 24/7. Easily find nearby stores for cash payments.

**Highlights:** Bill payment for utilities, Online and cash payment options, 24/7 payment availability, Manage bills via one account, Find cash payment stores, Search stores by location

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### VNPAY Merchant

[App page](https://appshunter.io/ios/app/vnpay-merchant/id1270677646)

Manage outstanding payments, access a variety of utility services, and earn rewards through a loyalty program. This app allows partners to conveniently handle financial transactions and access a wide range of services.

**Highlights:** Manage outstanding payments, Access utility services, Earn rewards through loyalty program, Withdraw payments, Purchase services, Track transactions

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Payoo free?

Payoo is free to download, with no in-app purchases.

### Is VNPAY Merchant free?

VNPAY Merchant is free to download, with no in-app purchases.

### Which has better reviews, Payoo or VNPAY Merchant?

VNPAY Merchant is rated higher. Payoo averages 3.8 out of 5 from 14 ratings, while VNPAY Merchant averages 4.2 from 76 ratings.

### Do Payoo or VNPAY Merchant have ads?

Neither Payoo nor VNPAY Merchant shows ads.

### Which is updated more often, Payoo or VNPAY Merchant?

Payoo ships an update every 3 weeks, and VNPAY Merchant fortnightly. Most recently, Payoo was updated on October 29, 2026 and VNPAY Merchant on October 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*