Comparison

Payoo vs HD Saison

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

HD Saison

This app offers a convenient and secure way to apply for consumer loans directly from your smartphone. Easily select loan amounts, provide identification, choose disbursement methods, and complete your application process anytime, anywhere.

Highlights
  • 24/7 loan application
  • Free registration and profile review
  • Simple loan procedures
  • Easy application submission
  • No income verification required
  • Flexible loan amounts and terms
Features
Read full description

Ứng dụng HD SAISON sẽ mang đến cho khách hàng sự tiện lợi, nhanh chóng trong vay tiêu dùng. Khách hàng sẽ được trải nghiệm một ứng dụng số hiện đại và bảo mật để thỏa mãn ngay nhu cầu tài chính ở bất cứ nơi đâu chỉ với chiếc điện thoại. Để đăng ký vay, bạn chỉ cần thực hiện các bước sau: 1. Chọn khoản vay bạn cần 2. Cung cấp thông tin định danh của bạn 3. Chọn cách giải ngân 4. Bổ sung thủ tục hoàn tất đơn vay Ứng dụng HD SAISON có những điểm nổi bật: • Đăng ký vay 24/7 • Miễn phí đăng ký và duyệt hồ sơ • Thủ tục vay đơn giản • Quy trình nộp hồ sơ vay dễ dàng • Không cần chứng minh thu nhập Thông tin gói vay qua ứng dụng: • Quốc tịch: Việt Nam • Độ tuổi: 18 – 70 tuổi • Khoản vay: lựa chọn theo nhu cầu của bạn • Thời hạn vay: 06 – 12 tháng • Lãi suất ưu đãi • Lãi suất chỉ từ 20.41%/năm đến 34.78%/năm (theo dư nợ ban đầu), tùy thuộc vào hồ sơ từng khách hàng cụ thể HD SAISON là công ty tài chính đầu tiên được Ngân hàng Nhà nước cấp phép hoạt động từ năm 2007. Sở hữu mạng lưới điểm giới thiệu dịch vụ lớn nhất Việt Nam với trên 21.000 điểm, HD SAISON cung cấp các giải pháp tài chính đa dạng, thiết thực với nhu cầu tiêu dùng của khách hàng nhằm nâng cao chất lượng cuộc sống của hàng triệu người dân qua dịch vụ vay trả góp: • Phương tiện đi lại • Trang thiết bị gia đình • Tiền mặt • Vé máy bay Vietjet • Du lịch, học tập, nội thất, thẩm mỹ, vật liệu xây dựng, vật tư nông nghiệp, phụ tùng xe ô-tô,… Công ty Tài chính trách nhiệm hữu hạn HD SAISON Tầng 8,9,10 Tòa nhà Gilimex, 24C Phan Đăng Lưu, Phường 6, Quận Bình Thạnh, Thành phố Hồ Chí Minh Website: www.hdsaison.com.vn Facebook: www.facebook.com/HDSAISONFinance Hotline: 1900 558854

Screenshots

Payoo4 screens
HD Saison4 screens

Verdict

The call

The clearest difference is rating: Payoo at 3.8 against HD Saison's 2.0. Payoo also leads on review sentiment (40% vs 9%) and update cadence (every 3 weeks vs every 2 months). 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 2.0. Both are backed by a comparable volume of ratings — 14 and 8 respectively. Written reviews point the same way: 40% of Payoo's written reviews are positive against 9% of HD Saison's.

UpkeepUpdate frequency

Payoo ships an update every 3 weeks, HD Saison every 2 months. The most recent releases landed on October 8, 2026 and October 14, 2026 respectively.

Scorecard3 real differences · 7 level
Payoo versus HD Saison: the parameters behind the verdict, then further details
ParameterPayooHD Saison
PriceFreeFree
Rating3.8 (14 ratings) — better2.0 (8 ratings)
Positive reviews40.0% of reviews — better9.3% of reviews
Number of ratings14 — better8
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size66 MB156 MB
Age rating4+17+
DeveloperVIET UNION ONLINE SERVICES CORPORATIONHD SAISON FINANCE CO.,LTD

Customer experience

Payoo

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

HD Saison

All ratings8 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews54 reviews
Positive9.3%
Neutral1.9%
Negative88.9%

In-app purchases

None

Payoo

No in-app purchases

None

HD Saison

No in-app purchases

Questions

Is Payoo free?
Payoo is free to download, with no in-app purchases.
Is HD Saison free?
HD Saison is free to download, with no in-app purchases.
Which has better reviews, Payoo or HD Saison?
Payoo is rated higher. Payoo averages 3.8 out of 5 from 14 ratings, while HD Saison averages 2.0 from 8 ratings.
Do Payoo or HD Saison have ads?
Neither Payoo nor HD Saison shows ads.
Which is updated more often, Payoo or HD Saison?
Payoo ships an update every 3 weeks, and HD Saison every 2 months. Most recently, Payoo was updated on October 8, 2026 and HD Saison on October 14, 2026.

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