Comparison

E9PAY vs CROSS

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

E9PAY

This app facilitates international money transfers to multiple countries, including Nepal, Cambodia, Vietnam, and the Philippines. It offers a simple, non-face-to-face registration process and allows sending money even if the recipient doesn't have a bank account. Users can also manage prepaid phone services and view transaction history.

Highlights
  • Non-face-to-face member registration
  • Send money without recipient bank account
  • Prepaid phone management
  • View transaction history
  • Fast remittances (cash pickup within 10 mins)
  • Low remittance fees
Features
Read full description

최초(1호)가 최고를.. 해외송금은 E9PAY 와 함께“ E9PAY는 2017년 8월 대한민국 기획재정부로부터 국내 최초의 '소액해외송금업 1호’ 라이선스를 취득하여 네팔, 캄보디아, 베트남, 필리핀, 인도네시아, 중국등 다수의 국가에 해외 송금 서비스를 제공 하는 회사입니다. E9PAY(E9VISA+PAY)는 200만 외국인을 주 대상으로 해외송금, 거래내역 조회, 선불폰 관리 등 외국인 근로자가 꼭 필요로 하는 서비스를 제공하고, 앞으로도 더 나은 서비스를 제공하기 위해 최선의 노력을 다하겠습니다. -E9PAY 서비스 특징 1) 방문없이 핸드폰으로 간단하게 비대면 회원등록(신분증, 전화,계좌번호 필수) 2) 회원등록 후 바로 해외송금, 선불폰 관리 가능 3) 받는 분이 계좌가 없어도 송금 가능 4) 전신료와 중계수수료, 수취수수료 없이 저렴하게 송금 - 해외송금이 쉽다 * 핸드폰이 있는 곳이면 어디든 오케이! * 수취인이 계좌가 없어도 송금 가능 - 해외송금이 빠르다 * 계좌송금시 영업일 최대 1~2일 소요 * 캐쉬픽업시 10분 이내 - 해외송금이 안전하다 * 금융결제원을 통한 해외송금 * 각 나라마다 고객이 믿을 수 있는 은행으로 송금 * 금융감독원 및 한국은행에 보고 및 감독 받음 - 계좌조회 * 내 계좌의 입출금 내역을 핸드폰으로 확인 * 계좌의 잔액 조회 및 입출금 내역을 간단하게 조회 - E9PAY 연락하기 * 주소 : 서울특별시 관악구 남부순환로 1793, 803호 * 전화번호 : 콜센터 1899-6943(영어/베트남어/캄보디아어/몽골어/일본어/우즈벡어 지원 가능) 본사 02-877-7200 * 홈페이지 : www.e9pay.co.kr * 이메일 : e9payco@gmail.com * 근무시간 : 월~금 9:00 ~ 18:00(주말/공휴일 휴무)

About

CROSS

Easily shop for Korean goods in your own language and send money globally with fixed low fees. Enjoy fast, secure, and convenient international remittances, even on weekends. Get rewarded with points for daily use and referrals.

Highlights
  • Fixed 5,000 KRW remittance fees
  • Free first transfer
  • Referral bonus points
  • Daily login point accumulation
  • Shop Korean goods in your language
  • Fast remittances within 5 minutes
  • Weekend and holiday transfers
Features
Read full description

With 20,000 real user reviews and a 4.8 rating, CROSS is the essential financial app for foreigners in Korea! CROSS is now better than ever. With just one CROSSPAY card, you can handle overseas remittances, domestic transfers, offline payments, and public transportation—all in one place. For everyday life in Korea, CROSS is the must-have app for foreigners! Check it out now. *Some features may be limited depending on nationality, country of residence, identity verification results, or applicable laws and regulations. [NEW] Make life in Korea easier with the CROSSPAY Prepaid Wallet Card Meet CROSSPAY, a prepaid card made for foreigners in Korea that’s easy and quick to issue. Simply top up and start using it right away. Domestic Transfers: Receive money from friends or colleagues and transfer it directly to a domestic bank account. Offline Payments: Use your prepaid card for online and offline payments at stores nationwide, including convenience stores, supermarkets, and restaurants. Transportation Card: Simply tap and ride on buses, subways, and other public transportation. CROSS Shop Integration: Pay with CROSSPAY in just one second and enjoy special deals on CROSS Shop. With one CROSSPAY card, domestic transfers, offline payments, and transportation are all easier and more convenient for everyday life in Korea. CROSS, the essential app for foreigners living in Korea, brings it all together—from a prepaid card and transportation card to convenient everyday payments. [KEY SERVICES] Fast & Secure International Remittance with CROSS Trusted by over 2 million foreigners in Korea ■ Competitive Exchange Rates & Low Fees With preferential exchange rates, CROSS helps you send more money to your family back home. International remittance fees are 5,000 KRW or less for all countries, and your first remittance is free. Enjoy both better exchange rates and low fees. ■ Fast & Easy Sign-Up Anyone can complete registration in just five (5) minutes with an ID or passport. You can apply for an international remittance even without a bank account or with an expired passport. With your saved information, repeat transfers can be completed in just one (1) minute. ■ Safe & Trusted CROSS CROSS is a government-licensed international remittance provider in Korea (License No. 2020-2). When you send money through the app, the recipient safely receives the exact amount confirmed at the time of application. ■ Multilingual Customer Support Our multilingual customer support team is here to help. Whether you have questions about prepaid cards designed for foreigners or international remittances, feel free to contact us anytime. ■ CROSS Shop Shopping in Korea can be challenging, but CROSS Shop makes it easier. Shop in your own language and ask questions with ease. Find popular Korean products as well as products you know and love from your home country—all in one place. CROSS is the essential app for foreigners living in Korea. From preferential exchange rates on international remittances to CROSSPAY, enjoy domestic transfers, offline payments, transportation, and shopping—all in one app. Make everyday life in Korea easier and more convenient with CROSS! [Customer Support Center] - Telephone Inquiry: 1670-2624 - Address: 22 Hakdong-ro 7-gil, Gangnam-gu, Seoul [Service access rights] ■ (Optional) Camera: You can attach a photo or use functions such as QR code scanning. ■ (Optional) Album: You can import photos stored on the device and use functions such as address entry and QR code scanning. ■ (Optional) Microphone: Customer center telephone connection is available. ■ (Optional) Biometric information: It can be used as a means of self-authentication when logging in and making payments. ■ (Optional) Location: Based on the current location information, you can use automatic address entry and find a nearby convenience store function.

Screenshots

E9PAY4 screens
CROSS4 screens

Verdict

The call

The clearest difference is review sentiment: CROSS at 99% against E9PAY's 43%. CROSS also leads on rating (4.9 vs 4.2) and update cadence (every 6 days vs every 3 weeks). E9PAY's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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

CROSS holds the better App Store score, 4.9 against 4.2. That said, the two scores are not equally well evidenced: CROSS has 106 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 43% of E9PAY's written reviews are positive against 99% of CROSS's.

UpkeepUpdate frequency

E9PAY ships an update every 3 weeks, CROSS every 6 days. The most recent releases landed on September 29, 2026 and September 26, 2026 respectively.

Scorecard5 real differences · 5 level
E9PAY versus CROSS: the parameters behind the verdict, then further details
ParameterE9PAYCROSS
PriceFreeFree
Rating4.2 (16 ratings)4.9 (106 ratings) — better
Positive reviews42.9% of reviews99.4% of reviews — better
Number of ratings16106 — better
Update frequencyEvery 3 weeksEvery 6 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size181 MB172 MB
Age rating4+4+
DeveloperE9PAYCROSS ENF INC.

Customer experience

E9PAY

All ratings16 ratings
Positive81.3%
Neutral0.0%
Negative18.8%
Written reviews105 reviews
Positive42.9%
Neutral7.6%
Negative49.5%

CROSS

All ratings106 ratings
Positive99.1%
Neutral0.0%
Negative0.9%
Written reviews335 reviews
Positive99.4%
Neutral0.0%
Negative0.6%

Bugs and requests

E9PAY

Not enough reviews yet to summarise bugs or requests.

CROSS

Reported bugs

3 issues
  • Initial screen requires extra step to close country selection
  • Occasional slow notification delivery
  • Point expiration date confusion

Requested features

3 requests
  • Improve initial screen flow for country selection
  • Faster cancellation and re-deposit for failed transfers
  • More clarity on point expiration dates

In-app purchases

None

E9PAY

No in-app purchases

None

CROSS

No in-app purchases

Questions

Is E9PAY free?
E9PAY is free to download, with no in-app purchases.
Is CROSS free?
CROSS is free to download, with no in-app purchases.
Which has better reviews, E9PAY or CROSS?
CROSS is rated higher. E9PAY averages 4.2 out of 5 from 16 ratings, while CROSS averages 4.9 from 106 ratings.
Do E9PAY or CROSS have ads?
Neither E9PAY nor CROSS shows ads.
Which is updated more often, E9PAY or CROSS?
E9PAY ships an update every 3 weeks, and CROSS every 6 days. Most recently, E9PAY was updated on September 29, 2026 and CROSS on September 26, 2026.

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