# 스마일페이 SmilePay vs 핀다이렉트

The clearest difference is rating: 핀다이렉트 at 4.4 against 스마일페이 SmilePay's 3.4. 핀다이렉트 also leads on review sentiment (64% vs 33%) and update cadence (fortnightly vs every 2 months). On price, ratings volume, 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.

핀다이렉트 holds the better App Store score, 4.4 against 3.4. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews point the same way: 33% of 스마일페이 SmilePay's written reviews are positive against 64% of 핀다이렉트's.

스마일페이 SmilePay ships an update every 2 months, 핀다이렉트 fortnightly. Both last shipped on September 22, 2026.

## The numbers

| Metric | 스마일페이 SmilePay | 핀다이렉트 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (5 ratings)](https://appshunter.io/ios/app/smilepay/id1411684977/reviews) | **[4.4 (7 ratings)](https://appshunter.io/ios/app/id6444324739/reviews)** |
| Number of ratings | 5 | **7** |
| Positive reviews | 33.3% of reviews | **63.6% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | — |
| Size | 42 MB | 57 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [주식회사 스마일페이먼츠](https://appshunter.io/developer/6777917500) | [(주)스테이지파이브](https://appshunter.io/developer/1558644320) |

## 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


### 핀다이렉트

[App page](https://appshunter.io/ios/app/id6444324739)

**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 핀다이렉트 free?

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

### Which has better reviews, 스마일페이 SmilePay or 핀다이렉트?

핀다이렉트 is rated higher. 스마일페이 SmilePay averages 3.4 out of 5 from 5 ratings, while 핀다이렉트 averages 4.4 from 7 ratings.

### Do 스마일페이 SmilePay or 핀다이렉트 have ads?

Both 스마일페이 SmilePay and 핀다이렉트 show ads.

### Which is updated more often, 스마일페이 SmilePay or 핀다이렉트?

스마일페이 SmilePay ships an update every 2 months, and 핀다이렉트 fortnightly. Most recently, 스마일페이 SmilePay was updated on September 22, 2026 and 핀다이렉트 on September 22, 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.*