# NH pay(NH페이) vs 충남상품권 chak

The clearest difference is review sentiment: 충남상품권 chak at 95% against NH pay(NH페이)'s 51%. 충남상품권 chak also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). NH pay(NH페이)'s advantage is rating (2.5 vs 1.0) and ratings volume (35 vs 1). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

NH pay(NH페이) holds the better App Store score, 2.5 against 1.0. That said, the two scores are not equally well evidenced: NH pay(NH페이) has 35 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 51% of NH pay(NH페이)'s written reviews are positive against 95% of 충남상품권 chak's, so the app with the better star average is not the one people write more warmly about.

NH pay(NH페이) ships an update every 2 weeks, 충남상품권 chak every 2 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | NH pay(NH페이) | 충남상품권 chak |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (35 ratings)](https://appshunter.io/ios/app/nh-paynh/id1177889176/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/chak/id1643801490/reviews) |
| Number of ratings | **35** | 1 |
| Positive reviews | 51.4% of reviews | **95.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 174 MB | 45 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NH농협은행](https://appshunter.io/developer/698023007) | [한국조폐공사](https://appshunter.io/developer/938560543) |

## What reviewers say

### NH pay(NH페이)

[App page](https://appshunter.io/ios/app/nh-paynh/id1177889176)

This payment and lifestyle platform allows users to easily make payments using NH cards and bank accounts. It offers a wide range of convenient services, personalized benefits, and tools for smart spending management. Users can also manage their financial information and send money for free.

**Highlights:** Easy payment with NH cards and accounts, Account payment without NH card, Online and in-person QR/barcode payments, Personalized benefits and events, Financial information overview, Free money transfer service, Spending analysis and management

**In-app purchases:** none


### 충남상품권 chak

[App page](https://appshunter.io/ios/app/chak/id1643801490)

This app allows users to easily purchase, gift, and use regional gift certificates for various areas within Chungcheongnam-do. It offers convenient mobile charging, payment options like QR codes, and secure authentication methods. Users can also track their transaction history and find participating merchants.

**Highlights:** Purchase and gift regional gift certificates, Mobile charging via bank account, QR code and card payment options, Transaction history tracking, Find participating merchants, Secure biometric authentication

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NH pay(NH페이) free?

NH pay(NH페이) is free to download, with no in-app purchases.

### Is 충남상품권 chak free?

충남상품권 chak is free to download, with no in-app purchases.

### Which has better reviews, NH pay(NH페이) or 충남상품권 chak?

NH pay(NH페이) is rated higher. NH pay(NH페이) averages 2.5 out of 5 from 35 ratings, while 충남상품권 chak averages 1.0 from 1 ratings.

### Do NH pay(NH페이) or 충남상품권 chak have ads?

NH pay(NH페이) shows ads; 충남상품권 chak does not.

### Which is updated more often, NH pay(NH페이) or 충남상품권 chak?

NH pay(NH페이) ships an update every 2 weeks, and 충남상품권 chak every 2 months. Most recently, NH pay(NH페이) was updated on October 29, 2026 and 충남상품권 chak on October 24, 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.*