# NICE지키미 vs 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)

The clearest difference is rating: NICE지키미 at 3.7 against 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)'s 2.5. NICE지키미 also leads on iOS requirement (11.0 vs 13.0). 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)'s advantage is in-app purchases (none vs 11) and review sentiment (75% vs 48%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. NICE지키미 sells 11 one-off in-app purchases. 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) asks for nothing beyond the download.

NICE지키미 holds the better App Store score, 3.7 against 2.5. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews complicate that: 48% of NICE지키미's written reviews are positive against 75% of 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)'s, so the app with the better star average is not the one people write more warmly about.

NICE지키미 ships an update every 2 months, 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 4 months. The most recent releases landed on October 1, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | NICE지키미 | 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/nice/id457816753/reviews)** | [2.5 (2 ratings)](https://appshunter.io/ios/app/pay-plus/id6479675842/reviews) |
| Number of ratings | **3** | 2 |
| Positive reviews | 47.8% of reviews | **75.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 91 MB | 90 MB |
| Requires iOS | **11.0** | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NICE Information Service Co., Ltd.](https://appshunter.io/developer/375630606) | [비즈플레이(주)](https://appshunter.io/developer/1056025365) |

## What reviewers say

### NICE지키미

[App page](https://appshunter.io/ios/app/nice/id457816753)

Manage your credit score and financial life with this app. It connects to various financial institutions to provide a comprehensive view of your assets and debts. Receive personalized reports and alerts to improve your creditworthiness and prevent financial fraud.

**Highlights:** Credit score management, Asset integration (banks, cards, insurance), Loan and debt overview, Personalized credit reports, Real-time credit inquiry alerts, Payment due date reminders, Loan eligibility diagnosis

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| NICE지키미-신용지키미(6개월) | $9.99 | one-time |
| NICE지키미-신용보고서 | $11.99 | one-time |
| NICE지키미-신용지키미(만기연장) | $14.99 | one-time |
| NICE지키미-명의도용지키미(만기연장) | $14.99 | one-time |
| NICE지키미-신용지키미 | $15.99 | one-time |
| NICE지키미-명의도용지키미 | $15.99 | one-time |
| NICE지키미-지키미케어십 | $22.99 | one-time |
| NICE지키미-종합신용지키미(만기연장) | $24.99 | one-time |
| NICE지키미-가족신용지키미 2인 | $25.99 | one-time |
| NICE지키미-영문 신용보고서 온라인 | $29.99 | one-time |
| NICE지키미-사업자신용지키미 | $48.99 | one-time |


### 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)

[App page](https://appshunter.io/ios/app/pay-plus/id6479675842)

This platform allows users to purchase and use local gift certificates, apply for merchant status, and receive/use policy subsidies from Seoul city and its districts. It offers features for both citizens and small business owners, simplifying transactions and management.

**Highlights:** Purchase and use local gift certificates, Apply for merchant status, Receive and use policy subsidies, QR code payments and non-contact payments, Gift certificate gifting, Find affiliated merchants, Merchant management tools

**In-app purchases:** none


## Frequently asked questions

### Is NICE지키미 free?

NICE지키미 is free to download, with in-app purchases available.

### Is 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) free?

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) is free to download, with no in-app purchases.

### Which has better reviews, NICE지키미 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)?

NICE지키미 is rated higher. NICE지키미 averages 3.7 out of 5 from 3 ratings, while 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) averages 2.5 from 2 ratings.

### Do NICE지키미 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) have ads?

Neither NICE지키미 nor 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) shows ads.

### Which is updated more often, NICE지키미 or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)?

NICE지키미 ships an update every 2 months, and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 4 months. Most recently, NICE지키미 was updated on October 1, 2026 and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) on October 12, 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.*