# 페이코 PAYCO vs 학식

The clearest difference is ads: 페이코 PAYCO at none against 학식's shown. On price, update cadence, 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.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 25, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | 페이코 PAYCO | 학식 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (26 ratings)](https://appshunter.io/ios/app/payco/id924292102/reviews)** | — |
| Number of ratings | **26** | — |
| Positive reviews | 79.8% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | — |
| Size | 246 MB | 84 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, Apple Watch | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [NHN Corp.](https://appshunter.io/developer/708107055) | [ABP CO.,LTD](https://appshunter.io/developer/1348627098) |

## What reviewers say

### 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


### 학식

[App page](https://appshunter.io/ios/app/id6443999319)

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

**In-app purchases:** none


## Frequently asked questions

### Is 페이코 PAYCO free?

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

### Is 학식 free?

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

### Do 페이코 PAYCO or 학식 have ads?

학식 shows ads; 페이코 PAYCO does not.

### Which is updated more often, 페이코 PAYCO or 학식?

페이코 PAYCO ships an update monthly, and 학식 monthly. Most recently, 페이코 PAYCO was updated on September 25, 2026 and 학식 on September 18, 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.*