1. What the Service does
LunePay is a web-based SaaS that reads bank deposit notification SMS messages and automatically matches them against the order records a customer registers, showing the results in a dashboard.
LunePay is not a payment gateway (PG). It does not authorize card payments, act as a payment agent, or receive, settle, or transfer funds. It reconciles bank deposits that have already occurred against existing orders.
2. Operator information
The operator's legal entity, representative, business registration number, mail-order sales registration number, business address, and customer phone and email are published in the footer of every public page and in the operator information block at the end of this document.
Operator information is rendered from a single managed record, so the footer and every policy document always show the same values.
3. Accounts and workspaces
Customers create an account with an email signup or with Kakao/Google social login, and use the Service within a workspace.
Only the workspace owner can change the plan, reissue the API key, or delete the workspace.
Customers are responsible for safeguarding their account credentials and API keys.
4. Plans and free trial
- Plans are Free (KRW 0/month), Plus (KRW 9,900/month), Pro (KRW 33,000/month), and Ultra (KRW 99,000/month). Displayed prices include VAT.
- The automatic cash-receipt add-on is KRW 50,000/month excluding VAT (KRW 55,000/month including VAT).
- Creating a workspace grants a 14-day free trial of the Ultra plan (unlimited).
- When the trial ends, the plan subscribed to on the workspace applies.
- Each plan has a monthly matching allowance; customers can move to a higher plan when the allowance is exceeded.
5. Payment methods and recurring billing
The payment-method (card) registration flow is offered under Settings > 결제 & 요금제 when registration with the payment provider (NICEPAY) is enabled; the settings screen shows whether it is currently available. Registering a payment method by itself is not a charge and does not start recurring billing.
Recurring (automatic) billing starts only after the customer selects a paid plan and a payment method in Settings and explicitly agrees, one item at a time with no box pre-checked, to all of: these Terms, the Privacy Policy, the Refund Policy, the billed amount (VAT included), and the start date and billing interval. Submitting is not itself a completed payment — the charge is confirmed only after the payment provider's approval.
Recurring charges begin no earlier than 2026-10-01 00:00 (KST); no payment method is charged before that time. Changing an already-subscribed plan applies the new price starting the next billing cycle. When the first cycle begins because a free trial ends mid-month, that cycle is prorated for the remaining calendar days; every cycle after that is billed on the 1st.
If a charge fails, it may be retried during a 7-day grace period; if payment is not completed within that period the workspace reverts to the Free plan. A customer may cancel recurring billing in Settings at any time — cancellation stops future charges only, continued access lasts through the period already paid for, and it does not delete the registered payment method.
Merely viewing the plan in settings does not create a charge. The “payment status” and legacy payment history shown in settings are display-only records marked by the operator, are distinct from the actual charge results described above, and do not affect usage allowances.
6. Customer obligations
- Register only bank account, order, and counterparty information the customer is entitled to use.
- Bank deposit notification settings are configured by the customer; matching may not occur if those settings are wrong or if the bank or carrier does not deliver the message.
- Do not use the Service in violation of law or in a way that infringes the rights of others.
- Do not place excessive automated load on the Service or attempt to access another workspace's data.
7. Changes and interruptions
The operator may improve or change the Service and will give prior notice of material changes that disadvantage customers.
Service may be temporarily interrupted for maintenance or because of failures at the operator, a bank, a carrier, or an integrated provider.
8. Limitation of liability
Automatic matching depends on whether a bank message is delivered and on its format, so the Service does not guarantee that every deposit will be matched.
Final confirmation of a deposit and its amount remains the customer's responsibility, and the operator is not responsible for the customer's own decisions — such as shipping or refunding — made on the basis of a matching result.
This clause does not limit rights guaranteed to customers by applicable law.
9. Termination
A customer may stop using a paid plan at any time by switching the plan to Free, or end use entirely by deleting the workspace.
Deleting a workspace also deletes its order, deposit, and matching data, so export anything needed beforehand.
10. Changes to these terms and contact
If these terms are revised, the effective date and the changes will be announced in the Service.
Questions about these terms can be sent to the contact published in the footer.