# SSGPAY vs KB Pay

The clearest difference is rating: KB Pay at 3.4 against SSGPAY's 1.7. KB Pay also leads on review sentiment (54% vs 20%) and update cadence (every 2 weeks vs every 5 weeks). On price, ads, 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.

KB Pay holds the better App Store score, 3.4 against 1.7. That said, the two scores are not equally well evidenced: KB Pay has 181 ratings behind it against 25, so its average is the more settled of the two. Written reviews point the same way: 20% of SSGPAY's written reviews are positive against 54% of KB Pay's.

SSGPAY ships an update every 5 weeks, KB Pay every 2 weeks. Both last shipped on October 17, 2026.

## The numbers

| Metric | SSGPAY | KB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (25 ratings)](https://appshunter.io/ios/app/ssgpay/id666237916/reviews) | **[3.4 (181 ratings)](https://appshunter.io/ios/app/kb-pay/id695436326/reviews)** |
| Number of ratings | 25 | **181** |
| Positive reviews | 20.5% of reviews | **54.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 138 MB | 244 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SSG Payments Corp.](https://appshunter.io/developer/1831431206) | [KB KOOKMINCARD CO., LTD.](https://appshunter.io/developer/474177090) |

## What reviewers say

### SSGPAY

[App page](https://appshunter.io/ios/app/ssgpay/id666237916)

This app allows users to make payments using various methods and earn Shinsegae Points simultaneously. It also facilitates the convenient use and gifting of mobile gift certificates, manages a digital wallet, and offers financial services like international remittances and credit card recommendations.

**Highlights:** Integrated payment and Shinsegae Point earning, Mobile gift certificate management and gifting, SSG MONEY digital wallet services, International remittances, Credit card recommendations with cashback, Change accumulation and group payment features, Event participation for free money accumulation

**In-app purchases:** none


### KB Pay

[App page](https://appshunter.io/ios/app/kb-pay/id695436326)

Manage all your KB cards, assets, and lifestyle services in one app. Track payments, access loans, apply for cards, and enjoy exclusive shopping and travel deals. Optimize your spending with integrated financial tools and rewards.

**Highlights:** Card payment tracking and instant payment, Loan and credit services, Shopping and travel booking, Personalized benefits and events, Payment via bank accounts and points, Expense management and memo features

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient payment processing
- 👍 User-friendly and intuitive interface
- 💳 Seamless card payment integration
- 🎁 Good rewards and points accumulation
- 🔐 Face ID and biometric authentication support

**What reviewers complain about**

- 🌍 No English language support despite claims
- 🔐 Authentication issues for overseas users
- 🐛 Frequent app crashes and freezing
- ⚠️ Complex and cluttered interface with too many features
- 🚫 Overseas residents cannot access services

**Reported bugs**

- Card reissuance authentication fails at step 2
- Card password authentication doesn't proceed
- Infinite loop when viewing event notifications
- White screen errors preventing navigation
- App lock feature causes infinite loading screen

**Requested features**

- English language support (critical for foreigners)
- Chinese and Vietnamese language support
- Simplified interface with fewer features
- Separate pay-only app for faster performance
- Dark mode option


## Frequently asked questions

### Is SSGPAY free?

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

### Is KB Pay free?

KB Pay is free to download, with no in-app purchases.

### Which has better reviews, SSGPAY or KB Pay?

KB Pay is rated higher. SSGPAY averages 1.7 out of 5 from 25 ratings, while KB Pay averages 3.4 from 181 ratings.

### Do SSGPAY or KB Pay have ads?

Both SSGPAY and KB Pay show ads.

### Which is updated more often, SSGPAY or KB Pay?

SSGPAY ships an update every 5 weeks, and KB Pay every 2 weeks. Most recently, SSGPAY was updated on October 17, 2026 and KB Pay on October 17, 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.*