소액결제현금화
Micropayments are a simple payment method billed alongside your mobile phone bill, allowing you to purchase digital content or small items without a credit card or bank account. They are primarily used for in-app purchases, game items, webtoons, music, and other small digital content. Recently, they've also been widely adopted by delivery apps and online shopping malls.
Advantages and Limits of Micropayments
The biggest advantage of micropayments is their convenience. Payments can be made simply by verifying your mobile phone number, without having to enter separate card information. Each copyright has a monthly limit ranging from 300,000 won to 1 million won, preventing excessive spending. Limits can be adjusted through the copyright's customer service center or through the app. For minors, a lower limit may be applied with parental consent.
Things to note
While micropayments are convenient, there are a few caveats. First, fees may be charged at checkout, potentially exceeding the actual cost of the item. Second, unauthorized payments can occur due to lost or hacked phones, so it's best to regularly check your payment history and set your limit to 0 won when not in use. Third, some illegal sites encourage you to cash out micropayments. This practice is illegal and can result in high fees and legal issues, so never use it.
To use small payments wisely, it's recommended to set a monthly budget, regularly review your spending, and develop the habit of canceling unnecessary automatic payments .