Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Meritrust Mobile vs Upay.net

Meritrust Mobile 4.6★ · Free to download 45
Winner Upay.net
Upay.net 4.9★ · Free to download 85

Choose Upay.net for a more reliable and user-friendly experience.

Full reviews: Meritrust Mobile · Upay.net

While both apps are free to download, Upay.net stands out with higher user satisfaction and fewer complaints about functionality. Meritrust Mobile struggles with reliability and user experience, making it less appealing for users seeking a seamless banking experience.

Head to head

features edge: Upay.netR3R15R62R94
Meritrust Mobile Users find Meritrust's features lacking, particularly in bill pay and account management, with complaints about the inability to see payee details R3 and overall functionality R15.
Upay.net Users appreciate Upay.net's variety of services and ease of use, highlighting its reliability and constant improvements R62R94.
ease of use edge: Upay.netR4R7R22R62
Meritrust Mobile Many Meritrust users describe the app as confusing and clunky, with frequent complaints about bugs and a frustrating user interface R4R7R22.
Upay.net Upay.net is praised for its user-friendly interface and quick functionality, with users noting how easy it is to navigate R62R70R94.
reliability edge: Upay.netR1R13R54R62
Meritrust Mobile Meritrust users report frequent crashes and login issues, making the app unreliable for banking needs R1R13R54.
Upay.net In contrast, Upay.net users consistently mention its reliability and fast performance, with few complaints about technical issues R62R85R94.
price/value edge: Upay.netR10R50R63R69
Meritrust Mobile Meritrust is free to download, but users express dissatisfaction with the value due to the app's poor performance R10R50.
Upay.net Upay.net is also free, but users feel they receive good value for their money, despite some complaints about fees R63R69.
support edge: Upay.netR17R25R85R98
Meritrust Mobile Meritrust users report mixed experiences with customer support, often citing long wait times and unresolved issues R17R25.
Upay.net Upay.net users frequently commend its customer service, describing it as attentive and helpful R85R98.
Pick Meritrust Mobile if

you are already a member of Meritrust and prefer to support local services despite app issues.

Pick Upay.net if

you want a reliable, user-friendly app for financial transactions with good customer support.

Evidence note: Meritrust's recent negative reviews skew heavily towards functionality and reliability issues, while Upay.net has a more balanced positive reception.

Frequently asked

Which app is better for ease of use?
Upay.net is better for ease of use, with users praising its intuitive interface and quick navigation, while Meritrust users frequently mention confusion and bugs.

What reviewers actually said

Built only from these 119 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] Meritrust Mobile 3/5 · US Bill Pay - Can’t see payee details: Why can’t I see the address info of the payees I’m paying in bill pay? It’s nice it finds something and seems to confirm with zip code, but I don’t feel confident that a smaller local company is going to the right place. I don’t need to have the ability to change anything, simply show me a street address. Finances are about how we feel as much as functionality.
  2. [R15] Meritrust Mobile 3/5 · US Awful app.: Meritrust used to have the best app of all the financial institutions I use. Then they upgraded and now it’s awful. Very unintuitive.
  3. [R62] Upay.net 5/5 · US Excellent app! You can really see that the team is constantly improving it. I love the wide variety of great deals and special offers. The app is easy to use, fast, and reliable. Thank you to the developers for creating such a high-quality service. Keep up the great work! · translated
  4. [R94] Upay.net 4/5 · US The app is super efficient and fast: The app is awesome, made payments in a matter of minutes. Not to mention they provide excellent customer service. Very attentive and friendly. Definitely recommend the app.
  5. [R4] Meritrust Mobile 1/5 · US App won’t work: This app is garbage. No matter how many times I try, I can never log into it.
  6. [R7] Meritrust Mobile 1/5 · US Confusing: I’ve had a couple auto loan apps and this one is by far the most not self explanatory app when it comes to transferring money into the account and around the account. Very frustrating app to work with and set up auto payments 🙅
  7. [R22] Meritrust Mobile 1/5 · US Difficult to Use: It's backwards and not user friendly. Still have to call in for information that should be able to access in the app. Not able to make payments ahead.
  8. [R1] Meritrust Mobile 1/5 · US Never loads: It’s like you need to be tapped into a nasa satellite to even load the app
  9. [R13] Meritrust Mobile 1/5 · US Trash: The app crashes over and over, never loads or pulls up, constantly has errors, and over half the time you can’t even get passed the login screen. Considering switching banks just based on how bad this app runs and inaccessibilities of my account through the app.
  10. [R54] Meritrust Mobile 1/5 · US Crashes to Home Screen constantly: Since the latest update the app crashes to the home screen on any action. Transfer, view account, anything at all, instant crash. The app is completely unusable at the moment.
  11. [R10] Meritrust Mobile 1/5 · US Pointless: I’ve been banking with them for years add paystub after paystub and they won’t give me a credit card so I can build my credit so the worst bank ever
  12. [R50] Meritrust Mobile 1/5 · US Hands down…: …the worst banking app I’ve ever used. The terrible online experience is the main reason I stopped using this credit union as my main financial institution, and then they upgraded to a new app and it only got worse. Non-stop issues with doing the most basic things like transferring. It’s clunky and I have a difficult time believing that anyone used/tested this and then gave it two t
  13. [R63] Upay.net 1/5 · US To much fee: Too much fee. Do something for vaqf free fee
  14. [R69] Upay.net 1/5 · US Service fee!: Service fee is too expensive to compare with Xoom, i hope I won’t use again.
  15. [R17] Meritrust Mobile 5/5 · US Member: My only complaint with Meritrust is when I call the main number I never get an answer and when I put my name on the callback list, they never called me back which means I have to go to my branch office to get whatever I need done.
  16. [R25] Meritrust Mobile 1/5 · US Car Payment: Dice we got this loan it has been nothing but trouble to use the app to make the payment! My husband has called multiple times and nobody seems to be able to help him! We set up direct debit. The payment was taken out and then returned to our account. I transferred money to our credit union account to pay the car payment and for two weeks I have been trying to do so but every time I t
  17. [R85] Upay.net 5/5 · US Upaynet: Been with Upaynet since 2020 and honestly it’s a game changer for me. Super quick never had an issue and their 24/7 support team is top! Definitely recommend!
  18. [R98] Upay.net 5/5 · US Samarkand PSEG payment: I am impressed!!! Honestly, I’ve lived abroad for almost 10 years, and have never seen a customer service as effective as uzpaynet.uz provided me with!!! The best in the world! Thanks!!
  19. [R70] Upay.net 5/5 · US UPay.net: So easy to use thank you a lot

Synthesized from 119 recent App Store reviews · updated July 2026 · View on the App Store