Comparison

Payoo vs FPT Pay

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

Head to head
About

Payoo

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
Read full description

The application allows you to make payment for many utility services such as electricity, water, Internet, telephone, mobile phone. By using the application, you can manage all of your bills through one and only account; make online payment or cash payment during 24 hours per 7 days. Main functions: ● Query loan information from Customer ID, Service Type and Service Provider ● Payment for prepaid services (Prepaid mobile phone, …) ● Payment for postpaid services (Electricity, Water, Phone, Internet, Cable TV,…) ● Payment using Domestic bank card, International payment card ● Finding stores that provide cash payment for all of the services Sub functions: ● Stores searching by name, address ● Stores arranged in order from closest to farthest by using GPS function

About

FPT Pay

This payment application offers a free, convenient, and fast way to manage your finances. It ensures secure transactions and allows easy top-ups and withdrawals from various banks. Enjoy a seamless shopping experience with consumer protection policies.

Highlights
  • Free payment methods
  • Convenient and fast transactions
  • Secure payment standards
  • Easy wallet top-up and withdrawal
  • Safe online shopping on Sendo.vn
Read full description

FPT Pay là ứng dụng thanh toán hàng đầu Việt Nam. Tại FPT Pay người dùng được sử dụng phương thức thanh toán hoàn toàn MIỄN PHÍ, TIỆN LỢI, NHANH CHÓNG và đạt tiêu chuẩn về AN TOÀN BẢO MẬT. Lợi Ích Khi Thanh Toán Qua FPT Pay + Thanh toán hoàn toàn MIỄN PHÍ. + TIẾT KIỆM thời gian và chi phí của người dùng. + DỄ DÀNG thanh toán mọi lúc mọi nơi. + AN TOÀN khi mua sắm trực tuyến trên Sendo.vn Tính Năng Nổi Bật Trên Senpay + Nạp tiền vào Ví và rút tiền CỰC DỄ từ tất cả các ngân hàng trong nước và quốc tế. + Mua sắm dễ dàng, an toàn và được hưởng nhiều chính sách bảo vệ người tiêu dùng trên Sendo. Bạn còn chờ gì nữa? TẢI NGAY ứng dụng để HƯỞNG ƯU ĐÃI HẤP DẪN chỉ có trên Senpay!! ---------------------------------------------------------------------- Mọi góp ý xin vui lòng gởi về https://help.senpay.vn/hc/vi/requests/new Chúng tôi hân hạnh được lắng nghe và phục vụ bạn!

Screenshots

Payoo4 screens
FPT Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Payoo at 40% against FPT Pay's 5%. Payoo also leads on rating (3.8 vs 3.3) and update cadence (every 3 weeks vs every 5 weeks). FPT Pay's advantage is iOS requirement (13.0 vs 15.0). On price, ratings volume, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Payoo holds the better App Store score, 3.8 against 3.3. Both are backed by a comparable volume of ratings — 14 and 6 respectively. Written reviews point the same way: 40% of Payoo's written reviews are positive against 5% of FPT Pay's.

UpkeepUpdate frequency

Payoo ships an update every 3 weeks, FPT Pay every 5 weeks. The most recent releases landed on October 29, 2026 and October 20, 2026 respectively.

Scorecard4 real differences · 6 level
Payoo versus FPT Pay: the parameters behind the verdict, then further details
ParameterPayooFPT Pay
PriceFreeFree
Rating3.8 (14 ratings) — better3.3 (6 ratings)
Positive reviews40.0% of reviews — better5.5% of reviews
Number of ratings14 — better6
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size120 MB139 MB
Age rating4+4+
DeveloperVIET UNION ONLINE SERVICES CORPORATIONSEN DO TECHNOLOGY JOINT STOCK COMPANY

Customer experience

Payoo

All ratings14 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews10 reviews
Positive40.0%
Neutral10.0%
Negative50.0%

FPT Pay

All ratings6 ratings
Positive50.0%
Neutral16.7%
Negative33.3%
Written reviews55 reviews
Positive5.5%
Neutral3.6%
Negative90.9%

In-app purchases

None

Payoo

No in-app purchases

None

FPT Pay

No in-app purchases

Questions

Is Payoo free?
Payoo is free to download, with no in-app purchases.
Is FPT Pay free?
FPT Pay is free to download, with no in-app purchases.
Which has better reviews, Payoo or FPT Pay?
Payoo is rated higher. Payoo averages 3.8 out of 5 from 14 ratings, while FPT Pay averages 3.3 from 6 ratings.
Do Payoo or FPT Pay have ads?
Neither Payoo nor FPT Pay shows ads.
Which is updated more often, Payoo or FPT Pay?
Payoo ships an update every 3 weeks, and FPT Pay every 5 weeks. Most recently, Payoo was updated on October 29, 2026 and FPT Pay on October 20, 2026.

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