# L.POINT with L.PAY vs 스마일페이 SmilePay

The clearest difference is rating: 스마일페이 SmilePay at 3.4 against L.POINT with L.PAY's 2.9. 스마일페이 SmilePay also leads on monetization model (free vs ad-supported). L.POINT with L.PAY's advantage is update cadence (fortnightly vs every 2 months) and ratings volume (97 vs 5). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

스마일페이 SmilePay holds the better App Store score, 3.4 against 2.9. That said, the two scores are not equally well evidenced: L.POINT with L.PAY has 97 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 46% of L.POINT with L.PAY's written reviews are positive against 33% of 스마일페이 SmilePay's, so the app with the better star average is not the one people write more warmly about.

L.POINT with L.PAY ships an update fortnightly, 스마일페이 SmilePay every 2 months. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | L.POINT with L.PAY | 스마일페이 SmilePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (97 ratings)](https://appshunter.io/ios/app/lpoint-with-lpay/id473250588/reviews) | **[3.4 (5 ratings)](https://appshunter.io/ios/app/smilepay/id1411684977/reviews)** |
| Number of ratings | **97** | 5 |
| Positive reviews | **45.7% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 249 MB | 42 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Lotte Members Co., Ltd.](https://appshunter.io/developer/961500297) | [주식회사 스마일페이먼츠](https://appshunter.io/developer/6777917500) |

## What reviewers say

### L.POINT with L.PAY

[App page](https://appshunter.io/ios/app/lpoint-with-lpay/id473250588)

This app offers a loyalty program with benefits across various lifestyle sectors, including shopping, finance, and travel. Earn points through daily missions and exclusive partner offers, and manage your membership for special rewards.

**Highlights:** Membership benefits, Daily missions for points, Partner offers and discounts, Financial and investment information, Shopping deals and promotions, Biometric login and payment

**Features:** Vision Pro support

**In-app purchases:** none


### 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


## Frequently asked questions

### Is L.POINT with L.PAY free?

L.POINT with L.PAY is free to download, with no in-app purchases.

### Is 스마일페이 SmilePay free?

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

### Which has better reviews, L.POINT with L.PAY or 스마일페이 SmilePay?

스마일페이 SmilePay is rated higher. L.POINT with L.PAY averages 2.9 out of 5 from 97 ratings, while 스마일페이 SmilePay averages 3.4 from 5 ratings.

### Do L.POINT with L.PAY or 스마일페이 SmilePay have ads?

Both L.POINT with L.PAY and 스마일페이 SmilePay show ads.

### Which is updated more often, L.POINT with L.PAY or 스마일페이 SmilePay?

L.POINT with L.PAY ships an update fortnightly, and 스마일페이 SmilePay every 2 months. Most recently, L.POINT with L.PAY was updated on November 6, 2026 and 스마일페이 SmilePay on November 2, 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.*