# 스마일페이 SmilePay vs MiL.k

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.

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.

## The numbers

| Metric | 스마일페이 SmilePay | MiL.k |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (5 ratings)](https://appshunter.io/ios/app/smilepay/id1411684977/reviews) | **[3.4 (7 ratings)](https://appshunter.io/ios/app/milk/id1489927016/reviews)** |
| Number of ratings | 5 | **7** |
| Positive reviews | 33.3% of reviews | **42.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | **Free** | Ad-supported |
| Size | 42 MB | 75 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [주식회사 스마일페이먼츠](https://appshunter.io/developer/6777917500) | [milkpartners Co.,Ltd.](https://appshunter.io/developer/1489927015) |

## What reviewers say

### 스마일페이 SmilePay

[App page](https://appshunter.io/ios/app/smilepay/id1411684977)

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.

**Highlights:** 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

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

**In-app purchases:** none


### MiL.k

[App page](https://appshunter.io/ios/app/milk/id1489927016)

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.

**Highlights:** Consolidate various brand points, Exchange points for Milk Coin, Enjoy up to 40% discounts, Swap points for other brands, Participate in partner events

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 스마일페이 SmilePay free?

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

### Is MiL.k free?

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

### Which has better reviews, 스마일페이 SmilePay or MiL.k?

MiL.k is rated higher. 스마일페이 SmilePay averages 3.4 out of 5 from 5 ratings, while MiL.k averages 3.4 from 7 ratings.

### Do 스마일페이 SmilePay or MiL.k have ads?

Both 스마일페이 SmilePay and MiL.k show ads.

### Which is updated more often, 스마일페이 SmilePay or MiL.k?

스마일페이 SmilePay ships an update every 2 months, and MiL.k every 2 months. Most recently, 스마일페이 SmilePay was updated on October 20, 2026 and MiL.k 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.*