We briefly summarized how to use zeropay. Rather than specific details, you can refer to what it means to use Zero Pay and how to use it in general.
Meaning of zero pay
‘Can you pay with Zero Pay?’ means that you want to pay with Zero Pay installed on your mobile phone. Paying by mobile phone is a common sight these days, so you must have seen it at least once. 제로페이 사용법
Zero Pay is one of the simple payment services that allows you to easily pay with your mobile phone. You can pay the money to be paid through the ‘Zero Pay Support App’ installed on your mobile. 좋은뉴스
If there is a difference from other simple payment platforms, I can tell you that it was created by the government. It was created with the intention of reducing the burden on small business owners while raising the minimum wage. So, in Zero Pay, the meaning of zero means to make the payment fee of merchants to ‘zero’.
In fact, not all payments are zero-fee. Only merchants with less than 5 full-time workers and annual sales of less than KRW 800 million pay 0% commission, merchants with sales between 800 million and 1.2 billion pay 0.3%, and merchants with sales exceeding 1.2 billion pay 0.5%. Yes (Overseas 0.9%)
How to use Zero Pay
If you want to know how to use Zero Pay, you should first look at what payment methods Zero Pay uses. Simple payments usually use transfers between accounts, charging points linked to accounts, and card payments as the main payment methods. Zero Pay uses ‘account transfer’ and ‘gift certificate’ as payment methods.
Zero Pay payment method
The fact that Zero Pay uses ‘account’ and ‘gift certificate’ as payment means means that you can withdraw money from the account connected to Zero Pay at the time of payment, or purchase a ‘gift certificate’ in advance and use it for the face value of the gift certificate. Here, gift certificates mainly refer to ‘gift certificates issued by government agencies’.
Zero Pay Two payment methods
① Connect the account to Zero Pay and transfer the payment
② Payment with gift certificates purchased from the Zero Pay app
Zero Pay payment using an account is not particularly different from account transfer. Of course, if you pay with Zero Pay, you can receive a 30% (up to 40%) tax deduction for year-end settlement without receiving a separate cash receipt, which is convenient. However, it is a service that can be received even if you use a debit card, and it is also a benefit provided by other simple payment platforms, so there is nothing special about it.
Other simple payment platforms add more benefits. For example, Naver Pay accumulates 2% (up to 3%) of the payment as Naver Pay points when you charge and pay with a linked account, and Payco also offers a 2% accumulation benefit when you pay with charged points.
For users who actually choose a payment method, it seems advantageous to choose another simple payment method with richer payment benefits.
Zero Pay’s Flower
Instead, you can receive an unprecedented discount when you purchase and pay for a ‘gift certificate’ in advance. Local love mobile gift certificates issued by the heads of local governments and mobile Onnuri gift certificates issued by the Minister of SMEs and Startups to foster traditional markets can be purchased at a 5% to 10% discount and paid through Zero Pay.
Of course, there are restrictions such as limiting the amount of gift certificates that can be purchased per month to 700,000 won or not purchasing gift certificates for a certain period of time until the next issuance when the amount of gift certificates issued by the head of a local government is exhausted.
In addition, local gift certificates can only be used at Zero Pay affiliates in the region where they were purchased, and Onnuri gift certificates have spatial restrictions that must be used at Zero Pay affiliates, a traditional market. is also required.
However, if you use it well enough to call it a flower, it gives you a rare benefit of 10% discount.
Zero Pay is sometimes designated as a payment method when using not only gift certificate payments but also various government and local government support allowances.
A new trend: Will the flowers wither?
Earlier this year (2022.1), the ‘Seoul Love Gift Certificate’, a local love gift certificate in Seoul, terminated the contract with the operating agency, and the Zero Pay network was no longer used. The Seoul Pay Plus (Seoul Pay+) app has been used, but it can be used at existing Zero Pay merchants.
As the large-sized Seoul local love gift certificates have left, it is expected that there will be some kind of change in Zero Pay in the future.
Zero Pay Support App
There are many apps that support Zero Pay. The following apps support Zero Pay.
bank app
Corporate (i-ONE Bank), BNK Kyongnam Bank (mobile banking), Shinhan (Sol), NH (Cock Bank, App Cash, All One Bank), KB Kookmin (Livemate), Woori (WON Banking), Hana (OneQ) , Jeonbuk (News Mart Banking), Gwangju (Personal Banking), MG Saemaeul Geumgo (Sangsang Bank), Bank Pay, Suhyup (Partner Bank), Credit Union (ON Bank), Post Pay, K Bank, Ibuja, IM Shop, Some bank
Easy payment app
Naver Pay, Payco, L.Pay, SSG PAY, Smile Pay, TAXI Zeropay, OIOPAY, Syrup Wallet, SK Pay, UB Pay, Pint, Zero Pay On, T Money Pay, Finck, Check Pay, Money Tree, Biffle Zero Pay, Rail Plus, Road Pay, One Q Pay, Trippat, Hana Members, Hanpass Day Willet, Hot Place, Gangwon Gift Certificate, Gyeongnam Regional Gift Certificate, Jeonnam Love Gift Certificate, Changwon Love Gift Certificate (Nubijeon), Chuncheon Love Gift Certificate
Bank apps often only support account-linked payments, and for gift certificate payments, you need to select an app that allows you to purchase gift certificates among simple payment apps (e.g. Payco).
It would be nice if there were a lot of apps that support it, but I think there are a lot of apps that support it, so there are some difficult parts.
For example, ‘Naver Pay’, which is only available through the ‘Naver App (app dedicated to Naver Pay)’, requires only one installation of the ‘Naver App’. It is the same no matter who uses it. However, there are many participating businesses that have agreements with Zero Pay, so each app that supports Zero Pay is inevitably different in how to use Zero Pay.
Zero Pay payment method
Although the use of Zero Pay is slightly different for each supported app, the core payment methods can be summarized into two.
① When you show the QR/barcode generated by Zero Pay, the employee scans and pays
② Scan the QR code provided in the store with your smartphone, enter the amount to pay, and pay
Zero Pay Seoul Pay
Zero Pay Seoul Pay
Points to note when using Zero Pay
Before purchasing a gift certificate, it is good to check in advance if there is a Zero Pay merchant that you can use often. When you ask if it’s Zero Pay, there are quite a few Zero Pay affiliates that accept account payments but don’t accept gift certificates. It is best to ask the store directly. Even if it is marked as zero pay on Naver Map, there are places where it is not actually possible.
For example, a community center. If you look at Naver Map, it says that it is a Zero Pay member store, but I couldn’t actually pay for an account or gift certificate.
There are benefits to receive discounts when using government public facilities, but when you pay for Zero Pay, the discount on Ttareungyi, a public bicycle service in Seoul, has also ended. I don’t know if it’s due to the change in the local gift certificate operator in Seoul, but I think the trend of reducing or ending Zero Pay payment benefits will continue.
No matter how good the discount is, if you can’t purchase local gift certificates issued by local governments, it’s just a good apricot.
Of course, mobile Onnuri gift certificates that can be used in traditional markets seem to be continuously supplied, but it is unfortunate that the available stores are limited.
For those who are confused about where to use Zero Pay
You can use Seoul Sarang Gift Certificates at major convenience stores. For those who find it complicated and difficult to determine whether or not Zero Pay can be used, it would be good to simply remember that it can be used at GS25, CU, 7-Eleven, E-Mart 24, and Ministop. Of course, you have to use it at a convenience store located in the area where the gift certificate was issued.
It’s an explanation of how to use Zero Pay, but it’s a bit out of place now to mention the Seoul Love Gift Certificate. However, keep in mind that you can still use the Seoul Love Gift Certificate at Zero Pay merchants.
I know that there are many places where other local gift certificates can be used at convenience stores.
For more information on local love gift certificates and where to use them, search for and access ‘My Town Alert’ operated by the Ministry of Public Administration and Security, and you can refer to the contents of local love gift certificates issued in your area of residence.
※ Depending on the region, there are no mobile gift certificates, but there are regional love gift certificates that only support paper and card-type gift certificates, so please be aware.