Payoo vs VNPAY App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
VNPAY App
This app is a comprehensive payment and shopping platform integrating transportation, entertainment, and retail. It offers multiple secure payment options and a wide range of services for daily life, including shopping, booking travel, and purchasing entertainment tickets.
- Multiple secure payment methods
- QR code scanning
- Online shopping on VnShop
- Book taxis, flights, trains, buses
- Purchase movie and event tickets
- Buy now, pay later services
- Consumer loans
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What’s New in the VNPAY App? VNPAY is a multi-utility payment and shopping app that integrates transportation, entertainment, and shopping, catering to all aspects of daily life with various payment methods and funding sources. Fast and Convenient Payments The VNPAY app supports multiple secure and convenient payment methods: VNPAY e-wallet VNPAY-QR code scanning ATM cards, international cards Apple Pay Postpaid services Unlimited Utility Ecosystem Enjoy a seamless shopping, transportation, and entertainment experience with maximum convenience and efficiency: Easy shopping on VnShop – Authentic products at great prices with daily promotions. Effortless transportation – Quickly book taxis, motorbikes, flights, trains, and buses in just a few minutes. Convenient entertainment – Book movie tickets, amusement park tickets, and event passes with just a few taps. Financial Flexibility and Smart Spending VNPAY provides diverse financial solutions to help users manage their expenses flexibly: Postpaid services – Buy now, pay later. Consumer loans – Access flexible credit without income proof, approval within 2 minutes, with limits up to 50 million VND (*). (*) The loan service is provided and managed by VNPAY’s partners on the VNPAY platform. Customer Support If you need assistance, please contact us: Hotline: 1900 5555 77 (8 AM - 10 PM, Monday - Sunday) Email: hotro@vnpay.vn Vietnam Payment Solutions Joint Stock Company (VNPAY) Address: 8th Floor, No. 22 Lang Ha Street, Lang Ha Ward, Dong Da District, Hanoi.
Screenshots
Verdict
The clearest difference is rating: VNPAY App at 4.3 against Payoo's 3.8. VNPAY App also leads on ratings volume (660 vs 14) and review sentiment (55% vs 40%). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
VNPAY App holds the better App Store score, 4.3 against 3.8. That said, the two scores are not equally well evidenced: VNPAY App has 660 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 55% of VNPAY App's.
Payoo ships an update every 3 weeks, VNPAY App every 10 days. The most recent releases landed on October 8, 2026 and October 20, 2026 respectively.
| Parameter | Payoo | VNPAY App |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (14 ratings) | 4.3 (660 ratings) — better |
| Positive reviews | 40.0% of reviews | 55.1% of reviews — better |
| Number of ratings | 14 | 660 — better |
| Update frequency | Every 3 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 66 MB | 508 MB |
| Age rating | 4+ | 4+ |
| Developer | VIET UNION ONLINE SERVICES CORPORATION | VNPAY |
Customer experience
Payoo
VNPAY App
Bugs and requests
Payoo
Not enough reviews yet to summarise bugs or requests.
VNPAY App
Reported bugs
3 issues- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions
Requested features
3 requests- Expand merchant network to accept VNPAY QR
- Improve in-app support and troubleshooting
- Allow more flexibility in identity verification
In-app purchases
Payoo
No in-app purchases
VNPAY App
No in-app purchases









