# L.POINT with L.PAY vs 페이코 PAYCO

The clearest difference is rating: 페이코 PAYCO at 3.4 against L.POINT with L.PAY's 2.9. 페이코 PAYCO also leads on ads (none vs shown) and review sentiment (80% vs 46%). L.POINT with L.PAY's advantage is ratings volume (97 vs 26). On price, update cadence, in-app purchases and monetization model there is nothing between them.

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

페이코 PAYCO holds the better App Store score, 3.4 against 2.9. Both are backed by a comparable volume of ratings — 97 and 26 respectively. Written reviews point the same way: 46% of L.POINT with L.PAY's written reviews are positive against 80% of 페이코 PAYCO's.

L.POINT with L.PAY ships an update fortnightly, 페이코 PAYCO monthly. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | L.POINT with L.PAY | 페이코 PAYCO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (97 ratings)](https://appshunter.io/ios/app/lpoint-with-lpay/id473250588/reviews) | **[3.4 (26 ratings)](https://appshunter.io/ios/app/payco/id924292102/reviews)** |
| Number of ratings | **97** | 26 |
| Positive reviews | 45.7% of reviews | **79.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 248 MB | 246 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Lotte Members Co., Ltd.](https://appshunter.io/developer/961500297) | [NHN Corp.](https://appshunter.io/developer/708107055) |

## What reviewers say

### L.POINT with L.PAY

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

This app transforms enjoyable activities into habits that yield benefits. Discover exclusive offers from a vast network of partners across retail, finance, and travel. Earn points through daily missions and access curated financial information and shopping deals.

**Highlights:** Integrated loyalty membership, Exclusive brand benefits, Daily missions for point accumulation, Financial information and investment tools, Daily shopping deals and offers, L.PAY card registration and coupon services

**Features:** Vision Pro support

**In-app purchases:** none


### 페이코 PAYCO

[App page](https://appshunter.io/ios/app/payco/id924292102)

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:** Apple Watch app, 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 페이코 PAYCO free?

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

### Which has better reviews, L.POINT with L.PAY or 페이코 PAYCO?

페이코 PAYCO is rated higher. L.POINT with L.PAY averages 2.9 out of 5 from 97 ratings, while 페이코 PAYCO averages 3.4 from 26 ratings.

### Do L.POINT with L.PAY or 페이코 PAYCO have ads?

L.POINT with L.PAY shows ads; 페이코 PAYCO does not.

### Which is updated more often, L.POINT with L.PAY or 페이코 PAYCO?

L.POINT with L.PAY ships an update fortnightly, and 페이코 PAYCO monthly. Most recently, L.POINT with L.PAY was updated on September 23, 2026 and 페이코 PAYCO on September 25, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*