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

The clearest difference is in-app purchases: 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) at none against 머니차곡's 4. 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) also leads on ads (none vs shown) and iOS requirement (13.0 vs 17.0). 머니차곡's advantage is update cadence (every 3 days vs every 4 months) and review sentiment (89% vs 75%). On price and device support there is nothing between them.

Both are free to download. 머니차곡 sells 4 in-app purchases, starting at $2.99 per month. 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) asks for nothing beyond the download.

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) ships an update every 4 months, 머니차곡 every 3 days. Both last shipped on October 20, 2026.

## The numbers

| Metric | 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) | 머니차곡 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.5 (2 ratings)](https://appshunter.io/ios/app/pay-plus/id6479675842/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 75.0% of reviews | **89.3% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Every 3 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 90 MB | 200 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [비즈플레이(주)](https://appshunter.io/developer/1056025365) | [Egg Toast Lab](https://appshunter.io/developer/1868199361) |

## What reviewers say

### 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


### 머니차곡

[App page](https://appshunter.io/ios/app/id6787290101)

Easily track daily income and expenses with this budgeting app. Monitor spending patterns, manage fixed costs and subscriptions, and gain insights into your monthly cash flow. Offers widgets and data backup.

**Highlights:** Income/expense tracking, Monthly and category budgeting, Fixed cost and subscription management, Calendar-based spending view, Category spending statistics, Home and lock screen widgets, Backup and restore support

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 프리미엄 월간 | $2.99 | per month |
| Pro 연간 구독 | $29.99 | per year |
| 프리미엄 연간 | $29.99 | per year |
| 머니차곡 Pro 평생 | $69.99 | one-time |


## Frequently asked questions

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

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

### Is 머니차곡 free?

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

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

머니차곡 shows ads; 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) does not.

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

서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) ships an update every 4 months, and 머니차곡 every 3 days. Most recently, 서울Pay+ (서울페이,서울페이플러스,서울사랑상품권) was updated on October 20, 2026 and 머니차곡 on October 20, 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.*