# ICpay vs iM라이프 M스마트

The clearest difference is iOS requirement: ICpay at 9.0 against iM라이프 M스마트's 15.0. 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.

ICpay ships an update every 3 months, iM라이프 M스마트 every 2 months. The most recent releases landed on October 16, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | ICpay | iM라이프 M스마트 |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Size | 41 MB | 29 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [BIXOLON CO.,LTD.](https://appshunter.io/developer/633364478) | [iM Life Insurance Co., Ltd.](https://appshunter.io/developer/1417024198) |

## What reviewers say

### ICpay

[App page](https://appshunter.io/ios/app/icpay-n/id1255129396)

**In-app purchases:** none


### iM라이프 M스마트

[App page](https://appshunter.io/ios/app/im-m/id6448972816)

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

**In-app purchases:** none


## Frequently asked questions

### Is ICpay free?

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

### Is iM라이프 M스마트 free?

iM라이프 M스마트 is free to download, with no in-app purchases.

### Do ICpay or iM라이프 M스마트 have ads?

Neither ICpay nor iM라이프 M스마트 shows ads.

### Which is updated more often, ICpay or iM라이프 M스마트?

ICpay ships an update every 3 months, and iM라이프 M스마트 every 2 months. Most recently, ICpay was updated on October 16, 2026 and iM라이프 M스마트 on October 21, 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.*