# Payoo vs VNPAY App

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.

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.

## The numbers

| Metric | Payoo | VNPAY App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (14 ratings)](https://appshunter.io/ios/app/payoo/id977004309/reviews) | **[4.3 (660 ratings)](https://appshunter.io/ios/app/vnpay-app/id1470378562/reviews)** |
| Number of ratings | 14 | **660** |
| Positive reviews | 40.0% of reviews | **55.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 10 days** |
| Monetization | Free | Free |
| Size | 66 MB | 508 MB |
| Requires iOS | 15.0 | **13.0** |
| 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 App

[App page](https://appshunter.io/ios/app/vnpay-app/id1470378562)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 💰 Many discount codes and promotions
- 🚀 Fast and smooth transactions
- 🇻🇳 Supports national celebrations

**What reviewers complain about**

- 🤔 Compatibility issues with foreign cards
- 🤖 Poor customer support
- 🚫 Merchants not accepting VNPAY QR codes
- 🔒 Unreliable identity verification

**Reported bugs**

- Frequent connection errors
- Issues with payment processing and refunds
- App crashes during transactions

**Requested features**

- Expand merchant network to accept VNPAY QR
- Improve in-app support and troubleshooting
- Allow more flexibility in identity verification


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