스마일페이 SmilePay vs MiL.k
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
스마일페이 SmilePay
This app offers a smart shopping solution for quick and secure payments, combining loyalty points and coupons. It supports various payment methods and provides exclusive benefits like cashback and discounts. Users can also convert accumulated points from partner services into usable cash.
- In-store payment with rewards and coupons
- Enhanced security with fingerprint payment
- Supports multiple payment methods (cards, bank accounts, mobile)
- Accumulates cashback and discounts
- Converts partner points to Smile Cash
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[APP 기능] ■ 스마일페이 매장결제 - 빠른 결제는 물론, 적립과 쿠폰 혜택까지 한번에! ■ 강화된 보안으로 간편하고, 안전하게! - 결제비밀번호 뿐아니라, 지문으로도 간편하게 결제 가능 [스마일페이 기능] ■ 쉽고 빠른 간편결제 - 보유한 카드, 은행 계좌, 휴대폰부터 스마일머니/캐시까지, 원하는 결제수단으로 간편하게 결제 가능 ■ 쓸 때마다 쌓이는 독보적 혜택 - 스마일캐시 캐시백, 즉시 할인, 카드사 청구할인 나에게 맞는 혜택 제공 ■ 여기저기 흩어져있는 포인트를 한번에 - 다양한 제휴포인트를 스마일캐시로 한번에 전환, 결제 시 즉시 사용가능 [APP 이용시 확인사항] ■ 필수 권한 - 없음 ■ 선택 권한 - Touch(Face) ID: 비밀번호 입력을 대체 - 알림: 결제 정보 안내 ※ 선택 권한은 해당 기능을 사용할 때 동의할 수 있습니다. ※ 선택 권한에 동의하지 않아도 앱을 이용할 수 있으나, 일부 기능은 제한될 수 있습니다. 기기의 OS버전이 iOS 15.0 미만인 경우, 앱의 기능을 정상적으로 사용할 수 없으므로 OS업데이트 가능여부를 확인한 후 iOS 15.0 이상으로 업데이트 하시기 바랍니다. 고객센터: 1644-0739
MiL.k
Consolidate and manage your loyalty points from various brands in one app. Convert points to Milk Coin to get discounts or exchange them for other points. Participate in exclusive partner events for added benefits.
- Consolidate various brand points
- Exchange points for Milk Coin
- Enjoy up to 40% discounts
- Swap points for other brands
- Participate in partner events
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Your everyday point life, centered on MiL.k Discover MiL.k, where your points go further than ever! ▶ All your points, in one place! Check points from all your favorite brands in one simple place with MiL.k. ▶ Exchange points with Milk Coin! Get the points you need by exchanging them conveniently with Milk Coin. ▶ Turn your points into different points! Swap your accumulated points for Milk Coin, then exchange them right away for any other points you want. ▶ Walk, check in, and earn Milk Coin! Just walk 6,000 steps a day and check in daily to keep stacking up Milk Coin. ▶ More ways to use Milk Coin! Easily convert your points to Milk Coin and use it across a wide range of services. ▶ Endless partner events! Join events with MiL.k's point partners and enjoy a wealth of exclusive rewards! To provide you with a smooth experience, MiL.k requests the following permissions for certain features. [Required] Device & app activity: Requested to identify app errors and improve user experience [Optional] Notifications: Requested to send alerts for service events, promotions, and announcements [Optional] Biometric authentication: Requested to use biometric information (fingerprint, face, etc.) when logging in [Optional] Camera: Requested when scanning QR codes [Optional] Motion: Requested to measure step count [Optional] Location: Requested to verify in-store visits ※ You can still use the service without granting optional permissions, but some features may be limited. For any inquiries or feedback regarding the app, please contact us at: ▶ Email: help@milkplay.com ▶ Website: www.milkplay.com
Screenshots
Verdict
The clearest difference is monetization model: 스마일페이 SmilePay at free against MiL.k's ad-supported. MiL.k's advantage is review sentiment (43% vs 33%). On price, rating, ratings volume and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 3.4 for 스마일페이 SmilePay against 3.4 for MiL.k. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews are what separate them: 33% of 스마일페이 SmilePay's written reviews are positive against 43% of MiL.k's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 20, 2026 and October 24, 2026 respectively.
| Parameter | 스마일페이 SmilePay | MiL.k |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (5 ratings) | 3.4 (7 ratings) — better |
| Positive reviews | 33.3% of reviews | 42.9% of reviews — better |
| Number of ratings | 5 | 7 — better |
| Update frequency | Every 2 months | Every 2 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 42 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | 주식회사 스마일페이먼츠 | milkpartners Co.,Ltd. |
Customer experience
스마일페이 SmilePay
MiL.k
In-app purchases
스마일페이 SmilePay
No in-app purchases
MiL.k
No in-app purchases
