Comparison

Payoo vs VNPAY App

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

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.

Highlights
  • 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
Features
Read full description

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

Payoo4 screens
VNPAY App4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Payoo versus VNPAY App: the parameters behind the verdict, then further details
ParameterPayooVNPAY App
PriceFreeFree
Rating3.8 (14 ratings)4.3 (660 ratings) — better
Positive reviews40.0% of reviews55.1% of reviews — better
Number of ratings14660 — better
Update frequencyEvery 3 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size66 MB508 MB
Age rating4+4+
DeveloperVIET UNION ONLINE SERVICES CORPORATIONVNPAY

Customer experience

Payoo

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

VNPAY App

All ratings660 ratings
Positive83.8%
Neutral0.5%
Negative15.8%
Written reviews176 reviews
Positive55.1%
Neutral1.1%
Negative43.8%

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

None

Payoo

No in-app purchases

None

VNPAY App

No in-app purchases

Questions

Is Payoo free?
Payoo is free to download, with no in-app purchases.
Is VNPAY App free?
VNPAY App is free to download, with no in-app purchases.
Which has better reviews, Payoo or VNPAY App?
VNPAY App is rated higher. Payoo averages 3.8 out of 5 from 14 ratings, while VNPAY App averages 4.3 from 660 ratings.
Do Payoo or VNPAY App have ads?
Neither Payoo nor VNPAY App shows ads.
Which is updated more often, Payoo or VNPAY App?
Payoo ships an update every 3 weeks, and VNPAY App every 10 days. Most recently, Payoo was updated on October 8, 2026 and VNPAY App on October 20, 2026.

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