# Payoo vs HD Saison

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Payoo | HD Saison |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (14 ratings)](https://appshunter.io/ios/app/payoo/id977004309/reviews)** | [2.0 (8 ratings)](https://appshunter.io/ios/app/hd-saison/id1589425903/reviews) |
| Number of ratings | **14** | 8 |
| Positive reviews | **40.0% of reviews** | 9.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 66 MB | 156 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [VIET UNION ONLINE SERVICES CORPORATION](https://appshunter.io/developer/1499757606) | [HD SAISON FINANCE CO.,LTD](https://appshunter.io/developer/1491870348) |

## 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


### HD Saison

[App page](https://appshunter.io/ios/app/hd-saison/id1589425903)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

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