Comparison

CROSS vs Pays

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

Head to head
About

CROSS

This financial app helps foreigners in Korea manage their money. It offers international remittances, domestic transfers, offline payments, and public transportation access via a prepaid card. Enjoy competitive exchange rates, low fees, and multilingual customer support.

Highlights
  • International Remittance
  • Domestic Transfers
  • Offline Payments
  • Public Transportation Card
  • Prepaid Wallet Card
  • Competitive Exchange Rates
  • Multilingual Support
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.

About

Pays

This service offers innovative loan solutions using modern technology to save you time. Borrow between 50,000 and 2,000,000 MNT with repayment terms of 3, 6, 9, 12, or 24 months, without requiring collateral.

Highlights
  • Quick loan application
  • Flexible repayment terms
  • No collateral required
  • Modern technology solutions
  • Loan amounts up to 2,000,000 MNT
Features
Read full description

Pays үйлчилгээ нь сүүлийн үеийн технологи, ухаалаг шийдлийг ашиглан таны цагыг хэмнэсэн шинэлэг шийдэл юм. НӨХЦӨЛ Харилцагч нь 50,000-2,000,000 төгрөг хүртэлх зээлийг 2 жилийн гэрээ байгуулан 3, 6, 9, 12 болон 24 сарын хугацаатай зээл авах боломжтой. Батлагдсан зээлийн төлбөрийг доорх байдлаар төлнө. ТҮГЭЭМЭЛ АСУУЛТ Хугацаандаа төлбөр төлөхгүй бол яах вэ? Хугацаандаа төлбөр хийгдээгүй тохиолдолд алданги төлөлт хийх ёстой дүн дээр нэмж тооцоно. Барьцаа хөрөнгө шаардагдах уу? Үгүй, барьцаа хөрөнгө шаардахгүй зээлийн үйлчилгээ болно

Screenshots

CROSS4 screens
Pays4 screens

Verdict

The call

The clearest difference is rating: CROSS at 4.9 against Pays's 3.0. CROSS also leads on ratings volume (110 vs 2) and update cadence (every 2 weeks vs every 5 weeks). On price, ads, in-app purchases and monetization model 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 3.0. That said, the two scores are not equally well evidenced: CROSS has 110 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

CROSS ships an update every 2 weeks, Pays every 5 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
CROSS versus Pays: the parameters behind the verdict, then further details
ParameterCROSSPays
PriceFreeFree
Rating4.9 (110 ratings) — better3.0 (2 ratings)
Positive reviews99.4% of reviews—
Number of ratings110 — better2
Update frequencyEvery 2 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size180 MB84 MB
Age rating4+4+
DeveloperCROSS ENF INC.Main street finance NBFI LLC

Customer experience

CROSS

All ratings110 ratings
Positive98.2%
Neutral0.0%
Negative1.8%
Written reviews343 reviews
Positive99.4%
Neutral0.0%
Negative0.6%

Pays

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and 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

Pays

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CROSS

No in-app purchases

None

Pays

No in-app purchases

Questions

Is CROSS free?
CROSS is free to download, with no in-app purchases.
Is Pays free?
Pays is free to download, with no in-app purchases.
Which has better reviews, CROSS or Pays?
CROSS is rated higher. CROSS averages 4.9 out of 5 from 110 ratings, while Pays averages 3.0 from 2 ratings.
Do CROSS or Pays have ads?
Neither CROSS nor Pays shows ads.
Which is updated more often, CROSS or Pays?
CROSS ships an update every 2 weeks, and Pays every 5 weeks. Most recently, CROSS was updated on October 29, 2026 and Pays on October 24, 2026.

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