MoneyLog｜부동산·경제 인사이트

🇰🇷 한국어

1. 상생페이백이란 무엇인가요?
2. 상생페이백 지급 안내 카톡, 진짜 맞을까?
3. 내 상생페이백 지급액 확인 방법
4. 상생페이백 사용 방법 (단계별 설명)
5. 어디에서 사용할 수 있나요?
6. 사용 기한과 꼭 알아야 할 주의사항
7. 자주 묻는 질문 Q&A
8. 한눈에 정리 | 상생페이백 핵심 요약

🇺🇸 English

| A Small Message That Felt Surprisingly Nice

When I received the KakaoTalk message about my Sangsaeng Payback amount,
it honestly made me smile—even though it wasn’t a large sum.

I had applied a long time ago, so my first thought was,
“Oh right, I signed up for this.”
Then, almost immediately, I wondered,
Where can I use this, and how does it work?

As the year comes to an end, you know how it is.
Year-end gatherings, gifts, and all kinds of expenses add up quickly.
It feels like money only goes out, never in during this season.

That’s why, regardless of the amount,
the feeling of “having a bit of money I can actually use”
turned out to be more comforting than I expected.

What made it even better was realizing that
there’s a Digital Onnuri Gift Certificate partner store
right in front of my office.
I immediately thought, “This will actually be useful.”

So in this post,
for anyone who received the Sangsaeng Payback message and paused for a moment like I did,
I’ll walk you through where and how to use it in the simplest, most practical way possible.

It may be a small amount,
but if it’s a benefit you’re entitled to,
it’s worth using it without confusion and without missing out.

| What is Sangsaeng Payback?

Sangsaeng Payback is a consumer cashback program.
If your card spending in Sep–Dec 2025 increases compared to your average monthly spending in 2024,
you can receive 20% of the increased amount as a Digital Onnuri Gift Certificate (not cash).

In other words, after you receive the notice, you still need to
check the payback amount and use it at eligible merchants through the Digital Onnuri system. :contentReference[oaicite:2]{index=2}

| How Can I Check My Sangsaeng Payback Amount?

Receiving a KakaoTalk notice does not mean the payback is ready to use immediately.
You must first check how much you received and where it is stored.

1. Open the Digital Onnuri Gift Certificate app
2. Log in with phone verification
3. Check your balance / gift certificate list
4. Find the item labeled Sangsaeng Payback

Note: This payback is not a bank deposit and not card points.
It can only be checked and used through the Digital Onnuri system.

| How Do I Use the Sangsaeng Payback?

The Sangsaeng Payback is provided as a Digital Onnuri Gift Certificate.
When you make a payment at an eligible store, the amount is automatically deducted from your balance.

📌 Simply pay using a QR code or barcode in the Digital Onnuri app,
and the payback balance will be used automatically.

No additional application or conversion is required.
The available payback balance is applied first during payment.

| Important Payment Notes

• If the payment exceeds your payback balance
• The remaining amount is not deducted from the payback
• The difference is charged to your registered credit or debit card

| Where Can I Use It?

You can use the Sangsaeng Payback at approximately 170,000 Digital Onnuri partner stores nationwide.

• Traditional markets
• Local restaurants and grocery stores
• Daily life service shops such as salons and laundries

Online use is also available through Digital Onnuri’s Online Traditional Market Mall,
including platforms such as Lotte ON, Korea Post Shopping, and others.

가장 흔한 경우입니다.
해당 매장이 디지털 온누리상품권 가맹점이 아닌 경우, 상생페이백은 자동으로 적용되지 않습니다.

👉 결제 전 반드시
디지털 온누리상품권 앱 → ‘가맹점 찾기’에서
해당 매장이 등록되어 있는지 확인하셔야 합니다.

상생페이백은 보유 금액까지만 자동 차감됩니다.
다만, 일부 가맹점 환경에서는 복합 결제(페이백+카드)가 지원되지 않아 전액 카드 결제로 처리될 수 있습니다.

👉 이 경우에는
결제 전 금액을 나눠서 결제하시거나,
직원에게 온누리상품권 결제 가능 여부를 먼저 문의하시는 것이 안전합니다.

지급 안내 카톡을 받았더라도,
실제 지급 상태가 ‘지급 예정’인 경우 앱에 바로 표시되지 않을 수 있습니다.

👉 이럴 때는
① 앱 로그아웃 후 재로그인
② 앱 최신 버전 업데이트
③ 하루 정도 시간 경과 후 재확인
순서로 점검해 보시는 것이 좋습니다.

모든 온라인 쇼핑몰에서 사용 가능한 것은 아닙니다.
상생페이백은 디지털 온누리 앱 내 ‘온라인 전통시장관’에 입점한 상품에 한해 사용 가능합니다.

👉 일반 온라인몰 결제 화면에서는 적용되지 않으며,
반드시 온누리 전통시장관 경로를 통해 결제하셔야 합니다.

상생페이백은 사용 기한이 지나면 자동 소멸됩니다.
별도의 연장이나 현금 전환은 불가능합니다.

👉 지급 확인 후에는
소액이라도 미리 한 번 사용해 두시는 것이 가장 안전한 방법입니다.

| Common Mistakes When Using Sangsaeng Payback

| Final Takeaway: Use It Properly, Don’t Miss It

With the Sangsaeng Payback, receiving the benefit is only half the story. Using it correctly and on time is what truly matters.

• Always check your balance in the Digital Onnuri app
• Confirm partner stores before paying
• Be aware of split payments when the amount exceeds your balance
• Online use is limited to the traditional market mall
• Unused payback expires automatically

This is not a random reward—it’s a benefit created by your own spending.
Try using it once, and the entire system will make much more sense.

If this guide helped you avoid confusion or loss, feel free to share it with others who may have received the same message.