Comparison

CJ ONE vs 페이코 PAYCO

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

Head to head
About

CJ ONE

This lifestyle membership service offers exclusive benefits, special experiences, and rewards. Enjoy personalized deals, brand coupons, and convenient point accumulation and redemption through a mobile barcode. Engage in daily missions for extra points and rewards.

Highlights
  • Personalized benefit community
  • Brand coupons for dining, shopping, culture
  • Mobile barcode for points and gift cards
  • Daily missions for points (roulette, games, steps)
  • Point accumulation and redemption
  • Gift card registration and usage
Features
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Everyday Sparkle, CJ ONE From everyday perks to exclusive experiences on special days! CJ ONE is a true lifestyle membership service designed to be with you in every moment. ● Enjoy CJ brand benefits and news on CJ ONE Global. - Anyone can join the membership, even if you don't reside in Korea or aren't a Korean national. - Simply tap the globe icon on the home screen to switch to Global Service. - Discover various CJ brands and enjoy exclusive discounts and point rewards. ● Make your day special with coupons from diverse brands. - Welcome coupons for new members and birthday coupon packs every year on your birthday. - Discover various coupons across dining, shopping, and entertainment directly in the app. ● Easily earn and redeem points with a single barcode. - Earn, redeem, and apply coupons all at once with just one barcode. - Scan your barcode to earn points and receive extra bonus points. [Access Permissions] The access permissions required to use the Service are as follows. These permissions are necessary to provide the CJ ONE Global Service. 1. Required access permissions - Device and app history: checking the app's running status - Device ID: preventing multiple logins - Device identifier (UUID): preventing fraudulent use of the Service The optional permissions below are not collected or used for Global Members. 2. Optional access permissions - Address book: searching contacts when gifting points or gift cards/mobile vouchers (ONECON) - Location: Wonderland, coupons, store finder - Camera: ONE Walk background setting and scanning barcodes, QR codes, and credit cards - Photos: attaching images to community posts, ONE Walk background setting - Biometric authentication: simple login and authentication using face, fingerprint, etc. - Physical-activity access: measuring steps in ONE Walk * How to change access permissions: Device Settings > CJ ONE * Optional access permissions require allowance when the relevant feature is used; even if not allowed, services other than that feature remain available. [Please Note] - Supported on iOS 15.0 or higher. - For security purposes, service use is restricted on devices with modified operating systems (e.g., rooted, jailbroken). - You can receive a mobile card immediately upon downloading the app and signing up/logging in. - Available on Wi-Fi and networks. Data charges may apply when using 5G/LTE/3G. - Customer Center: cjoneglobal.cs@cj.net

About

페이코 PAYCO

This app offers a secure and convenient way to make payments online and offline. It provides a rewards program with points and coupons, financial management tools, and easy money transfer services. Manage your bills and memberships all in one place.

Highlights
  • Easy payment with over 600,000 online and offline merchants
  • Earn and use PAYCO points and coupons for discounts
  • Smart financial management with cards, savings, and investments
  • Send money easily via phone number
  • Manage bills and memberships in one place
  • Secure transactions with a 3-layer fraud prevention system
Features
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PAYCO 앱 하나로 간편하고 편리하게, 일상의 빈틈을 채우다. 3중 부정거래방지시스템과 통합보안관제센터를 운영해 더욱 안심할 수 있어요. ● 지갑 없이 간편하게 PAYCO 결제 무신사, 아이허브, 요기요, 컬리 등 20만+ 온라인 가맹점, 전국 4대 편의점, 카페와 백화점 등 40만+ 오프라인 가맹점, PAYCO 하나로 어디서나 간편하게 결제하세요. ● 쌓이는 즐거움, 쓰는 만족 PAYCO 포인트 결제할 때마다 쌓이고, 쿠폰과 함께 쓰면 혜택이 두 배, 실적 조건, 연회비 없는 PAYCO 포인트카드로 국내외 어디서나 편리하게! ● 쿠폰부터 적립까지, 쇼핑하면 PAYCO 결제할 때 바로 적용되는 할인 쿠폰부터 구매 금액에 따른 적립 쿠폰, 여기에 쇼핑적립 혜택까지 더해 PAYCO로 더 큰 쇼핑 혜택을 누리세요. ● 스마트한 금융 매니저, PAYCO 금융 똑똑한 금융 생활을 위한 신용/체크카드, 나만의 예·적금 계좌, 손쉽게 시작하는 투자와 앱테크 상품까지! 금융상품몰에서 한 번에 만나보세요. ● 탁월한 선택, PAYCO 상품권 국내 최다 50만+ 온·오프라인 가맹점에서 사용 가능한 PAYCO 상품권 2만원권부터 30만원권까지, 휴대폰 번호만 알면 간편하게 선물할 수 있어요. ● 빠르고 간편하게, PAYCO 송금 휴대폰 번호만 알면 바로 송금, 자주 송금하는 계좌도 간편하게 설정하세요. 구독료 결제, 비대면 거래, 모임비 정산 등 정해진 날짜에 보낼 땐, PAYCO 예약송금으로! ● 생활 관리도 한 번에, PAYCO 라이프 PAYCO 전자문서함으로 각종 고지서 받아보고 납부까지 편리하게! 흩어진 멤버십 카드도 PAYCO에 모아, 결제와 동시에 적립하세요. ■ PAYCO 주요 사용처 안내 - 편의점·마트: CU, GS25, 세븐일레븐, 이마트24, 롯데마트, 롯데슈퍼, 농협하나로마트 등 - 카페: 스타벅스, 투썸플레이스, 파리바게뜨, 아티제, 던킨, 메가MGC커피, 파리크라상, 엔젤리너스 등 - 음식·식품: 요기요, iHerb, 컬리, 매일유업, 그리팅, 맥도날드, 롯데리아, 버거킹, 동대문엽기떡볶이 등 - 쇼핑·백화점: 무신사, KREAM, 29CM, 나이키, SSG.COM, 11번가, LFmall, 아이파크몰, 한섬, 삼성전자 등 - 문화·컨텐츠: 티켓링크, Google, Apple, 한게임, 아고다, 넥슨, 여기어때, NOL, STEAM, 예스24, 교보문고 등 - 이동: 코레일, 대한항공, SRT, 아시아나항공, 티머니 버스, 서울시 따릉이 등 - 기타: 인터넷지로, 메가스터디교육 등 ※ PAYCO 사용 가능한 가맹점은 앞으로도 확대될 예정이에요. ■ 필수 허용 권한 없음 ■ 선택 허용 권한 카메라 : QR코드를 통한 PC로그인/결제 서비스 이용, 신분증/카드/멤버십 등록, 포인트모으기 사진 첨부 등 기능 사용 시 사진 촬영을 위해 이용합니다. 사진 : [선물하기] 시 사진을 업로드 할 수 있습니다. 위치 : 사용자의 현재 위치를 중심으로 [내 주변 가맹점], [내 주변 쿠폰]을 찾거나, [티머니onda 택시] 이용 가능 지역을 확인할 수 있습니다. 연락처 : 송금, 포인트 선물, 결제 조르기 서비스 이용 시 주소록을 검색할 수 있습니다. 알림 : 중요 결제 정보 및 서비스 이용, 이벤트 정보 안내를 위해 알림을 받을 수 있습니다. Face ID : 결제 비밀번호 입력을 대신하여 사용할 수 있습니다. 추적(광고ID) : 맞춤혜택 및 제휴 서비스 제공을 위해 이용합니다. ※ 선택적 접근권한의 허용에 동의하지 않아도 서비스를 이용할 수 있으나, 필요한 일부 서비스 이용에 제한이 있을 수 있습니다. ※ 설치/업그레이드가 완료되지 않을 경우, App을 삭제한 후 재설치 해주시기 바랍니다. ■ 개발자 연락처 주소:경기도 성남시 분당구 대왕판교로645번길 16 NHN 플레이뮤지엄 이메일: help@payco.com 연락처: 1544-6891 사업자 등록번호:144-81-15549 통신판매 신고번호:제2013-경기성남-1067호(성남시)

Screenshots

CJ ONE4 screens
페이코 PAYCO4 screens

Verdict

The call

The clearest difference is ads: 페이코 PAYCO at none against CJ ONE's shown. 페이코 PAYCO also leads on review sentiment (80% vs 71%). 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

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

On the App Store both sit at effectively the same score — 3.5 for CJ ONE against 3.4 for 페이코 PAYCO. Both are backed by a comparable volume of ratings — 37 and 26 respectively. Written reviews are what separate them: 71% of CJ ONE's written reviews are positive against 80% of 페이코 PAYCO's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 20, 2026 and September 21, 2026 respectively.

Scorecard2 real differences · 8 level
CJ ONE versus 페이코 PAYCO: the parameters behind the verdict, then further details
ParameterCJ ONE페이코 PAYCO
PriceFreeFree
Rating3.5 (37 ratings) — better3.4 (26 ratings)
Positive reviews71.3% of reviews79.8% of reviews — better
Number of ratings37 — better26
Update frequencyMonthlyMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPod, Apple Watch — betteriPhone, Apple Watch
Requires iOS15.0 — better16.0
Further details — not scored
Size176 MB246 MB
Age rating4+4+
DeveloperCJ OliveNetworks Co., Ltd.NHN Corp.

Customer experience

CJ ONE

All ratings37 ratings
Positive62.2%
Neutral5.4%
Negative32.4%
Written reviews94 reviews
Positive71.3%
Neutral7.4%
Negative21.3%

페이코 PAYCO

All ratings26 ratings
Positive53.8%
Neutral15.4%
Negative30.8%
Written reviews84 reviews
Positive79.8%
Neutral6.0%
Negative14.3%

Bugs and requests

CJ ONE

Reported bugs

10 issues
  • App crashes on startup
  • App freezes
  • ARS authentication repeatedly required
  • App not updating
  • Gift card scratch number not visible
Show 5 more
  • App doesn't open after update
  • Background battery drain
  • App closes unexpectedly
  • Slow performance and overheating
  • Update fails

Requested features

5 requests
  • Change password rules
  • Email masking feature
  • Improve UI consistency
  • Fix ARS authentication issues
  • Improve gift card scratch number visibility

페이코 PAYCO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CJ ONE

No in-app purchases

None

페이코 PAYCO

No in-app purchases

Questions

Is CJ ONE free?
CJ ONE is free to download, with no in-app purchases.
Is 페이코 PAYCO free?
페이코 PAYCO is free to download, with no in-app purchases.
Which has better reviews, CJ ONE or 페이코 PAYCO?
CJ ONE is rated higher. CJ ONE averages 3.5 out of 5 from 37 ratings, while 페이코 PAYCO averages 3.4 from 26 ratings.
Do CJ ONE or 페이코 PAYCO have ads?
CJ ONE shows ads; 페이코 PAYCO does not.
Which is updated more often, CJ ONE or 페이코 PAYCO?
CJ ONE ships an update monthly, and 페이코 PAYCO monthly. Most recently, CJ ONE was updated on September 20, 2026 and 페이코 PAYCO on September 21, 2026.

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