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Kakao Pay
Kakao Pay · Seongnam, Gyeonggi-do, South Korea
What it is
Kakao Pay is a payments and finance service from Kakao Pay, based in Seongnam, Gyeonggi-do, South Korea, with Android and iOS apps. Its services include payments, money transfers, points, asset management, insurance, loans, and investment. Users can pay online and offline at more than 800,000 locations, using biometric authentication online and barcodes in person. Payment options include cards, Kakao Pay Money, and Kakao Pay Points, including automatic payments. Users can send money to nearby people without knowing an account number, and can schedule or automate transfers; listed transfer features include instant speed and tracking. Through KakaoTalk, users can receive and pay bills and link memberships to check benefits. Kakao Pay also presents a consolidated financial-asset view and tools for financial schedules and spending management. Insurance features include reviewing coverage, submitting some claims without paperwork, comparing insurers, and exploring products. Kakao Pay Securities provides investment features such as stock information, charts, funds, and recurring investment. The merchant API supports one-time and recurring payments, order lookup, and cancellation; production use requires merchant affiliation. The service lists a free plan.
For and against
For
- Supports online and offline payments at more than 800,000 locations.
- Transfers can be instant, tracked, scheduled, or automated.
- Offers bill and membership features through KakaoTalk.
- Available on Android and iOS.
Against
- Production use of the payment API requires merchant affiliation.
- Some insurance claims are supported without paperwork, not all claims.
The verdict
Kakao Pay spans consumer payments and a range of finance features, with instant and scheduled transfers among its tools. Merchant API production use is limited to affiliated merchants.
Who it suits
Kakao Pay suits mobile users looking for payments, transfers, and other listed finance services in one app. Its merchant API may suit affiliated merchants integrating online payments.
Plans and prices
Kakao Pay
No subscription price listed · Consumer payments and finance service
Read 11 Oct 2026 · kakaopay.com
On the record
- Asset management
- Kakao Pay presents a consolidated view of financial assets and provides financial schedule and spending management features.kakaopay.com · read 11 Oct 2026
- Bills and memberships
- The service supports receiving and paying bills through KakaoTalk and linking memberships to check benefits.kakaopay.com · read 11 Oct 2026
- Eligibility and platform
- Kakao Pay's Android app listing describes the service as available for payments and finance, and the iOS listing identifies iPhone and Apple Watch support.apps.apple.com · read 11 Oct 2026
- Insurance
- Users can review existing coverage, submit some claims without paperwork, compare insurers, and explore insurance products.kakaopay.com · read 11 Oct 2026
- Investing
- Kakao Pay Securities offers investment features including stock information, charts, funds, and recurring investment; the page says investment services are provided by Kakao Pay Securities.kakaopay.com · read 11 Oct 2026
- Merchant API
- Its online payment API supports one-time and recurring payments, order lookup, cancellation, and requires merchant affiliation for production use.developers.kakaopay.com · read 11 Oct 2026
- Merchant integrations
- Kakao Pay lists online merchants including Baemin, Yanolja, Jeju Air, AliExpress, and Nike, and offline merchants including GS25, CU, Starbucks, and Olive Young.kakaopay.com · read 11 Oct 2026
- Mobile platforms
- bothplay.google.com · read 20 Sep 2026
- Payment methods
- The service supports card payments, Kakao Pay Money, and Kakao Pay Points, including automatic payment options.kakaopay.com · read 11 Oct 2026
- Payments
- Kakao Pay says users can pay online and offline at more than 800,000 locations, using biometric authentication online and barcodes in person.kakaopay.com · read 11 Oct 2026
- Scheduled transfers
- Yesplay.google.com · read 20 Sep 2026
- Security
- Kakao Pay states it holds ISMS-P and ISO/IEC 27001 certifications for service operations, with the listed ISMS-P validity running from June 1, 2026 to May 31, 2029.kakaopay.com · read 11 Oct 2026
- Support
- The app listing says KakaoTalk chatbot support is available 24/7, agents are available weekdays 9:00 a.m.–5:30 p.m., and the customer center is open weekdays 9:00 a.m.–6:00 p.m.play.google.com · read 11 Oct 2026
- Transfers
- Users can send money to nearby people without knowing their account number and schedule or automate transfers.apps.apple.com · read 11 Oct 2026
- Transfer speed
- instantplay.google.com · read 20 Sep 2026
- Transfer tracking
- Yesplay.google.com · read 20 Sep 2026
- What it does
- Kakao Pay offers payments, money transfers, points, asset management, insurance, loans, and investment services.play.google.com · read 11 Oct 2026
