# SGI M(SGI서울보증) vs 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)

The clearest difference is rating: 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) at 2.5 against SGI M(SGI서울보증)'s 2.0. 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) also leads on review sentiment (76% vs 52%). On price, ratings volume, update cadence and ads there is nothing between them.

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

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) holds the better App Store score, 2.5 against 2.0. Both are backed by a comparable volume of ratings — 4 and 2 respectively. Written reviews point the same way: 52% of SGI M(SGI서울보증)'s written reviews are positive against 76% of 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)'s.

SGI M(SGI서울보증) ships an update every 2 months, 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 3 months. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | SGI M(SGI서울보증) | 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (4 ratings)](https://appshunter.io/ios/app/sgi-msgi/id6443694425/reviews) | **[2.5 (2 ratings)](https://appshunter.io/ios/app/pay-plus/id6479675842/reviews)** |
| Number of ratings | **4** | 2 |
| Positive reviews | 52.2% of reviews | **76.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | Free |
| Size | 78 MB | 88 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SGI서울보증](https://appshunter.io/developer/638584684) | [비즈플레이(주)](https://appshunter.io/developer/1056025365) |

## What reviewers say

### SGI M(SGI서울보증)

[App page](https://appshunter.io/ios/app/sgi-msgi/id6443694425)

Manage your insurance contracts conveniently from your smartphone. Offers secure login options and electronic signing for various services, including new online-exclusive product sales. Contact customer service for assistance.

**Highlights:** Insurance contract management, Secure login via financial certificate or phone verification, Quick login with Kakao/Naver, Electronic signing with various certificates, New online-exclusive product sales

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### 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 SGI M(SGI서울보증) free?

SGI M(SGI서울보증) is free to download, with no in-app purchases.

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

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

### Which has better reviews, SGI M(SGI서울보증) or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권)?

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) is rated higher. SGI M(SGI서울보증) averages 2.0 out of 5 from 4 ratings, while 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) averages 2.5 from 2 ratings.

### Do SGI M(SGI서울보증) or 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) have ads?

Neither SGI M(SGI서울보증) nor 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) shows ads.

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

SGI M(SGI서울보증) ships an update every 2 months, and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) every 3 months. Most recently, SGI M(SGI서울보증) was updated on September 23, 2026 and 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) on September 22, 2026.

---

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