PAYCO Lite Card | All-in-One Transit & Payment Card for Korea
- No passport or ID required for pickup — simply show your KKday voucher
- Use one card for both transit and payments throughout Korea
- Tap to ride subways and buses, and insert the card to pay at stores, cafés, and restaurants
- Pay with no additional card payment fees and conveniently top up during your trip
- Order K-food delivery through YOGIYO or BAEMIN and claim welcome coupons with the PAYCO app
Package Options
Transport Card & Pass Info
| Ticket type | Transport IC card |
Product Info
Get your PAYCO Lite Card, an all-in-one transit & payment card for your Korea trip!
[How It Works]
- NO ID CHECK. No app installation is required for pickup at a Woori Bank Exchange Counter. Pick up your card and start paying right away.
- CU store pickup requires installing the PAYCO app and registering the card before use, while cards picked up from a Woori Bank Exchange Counter are ready to use immediately after topping up, with no registration needed.
- This one card covers it all: tap to ride the subway and bus, insert to pay at stores, cafés & restaurants, and even order K-food delivery to your hotel through YOGIYO or BAEMIN with the PAYCO app. All card payments are fee-free, with no extra charges at checkout.
- Top up your payment balance at Woori Bank ATMs or any CU store, and your transit balance at subway station machines or convenience stores. The two balances are managed separately.
※ As a launch benefit, download the PAYCO app to claim your welcome coupons.
Once claimed, get up to ₩5,000 off automatically at CU, GS25, 7-Eleven, EMART24, MUSINSA, MEGA COFFEE & GONG CHA.
※ Once claimed, ₩1,000 off applies automatically per payment over ₩10,000, up to 5 times.
※ This promotion may be changed or ended at any time without prior notice.
[Important Info]
- Official Website: https://litecard.payco.com/
- PAYCO App: https://www.payco.com/app/redirectMarket.nhn
- FAQ: https://litecard.payco.com/support/faq
- Customer Service: https://litecard.payco.com/support/ticket
Check Balance & Usage History: Available in the PAYCO app after registering your card (see : "How do I register my card?").
Purchase Notice
1. Voucher Validity:
- Please select your intended use date when booking.
- The PAYCO Lite Card voucher is valid for 90 days from the date of issue (date of purchase). After this period, it will become invalid and cannot be used.
2. Identification Requirements:
・ No passport or ID is required for pickup — simply show your KKday voucher.
3. Pickup Locations & Hours:
- Incheon International Airport Terminal 1 – Woori Bank Exchange Counter near Exit 6
- Incheon International Airport Terminal 1 – Woori Bank Exchange Counter near Exit 11
- Incheon International Airport Terminal 2 – Woori Bank Exchange Counter near Exit 7
- Incheon International Airport Terminal 1 – CU convenience store near Exit 13
- Incheon International Airport Terminal 2 – CU T2 Incheon Airport Branch 2, located in the public central area near Exits 5 and 6
※ All pickup locations are open 24 hours.
4. How to Pick Up:
- No kiosks or self-service screens are required.
- Simply show your KKday voucher to the staff and say, “I’m here to pick up my PAYCO Lite Card.”
The staff will assist you with the pickup process.
5. Card Registration:
- Woori Bank Exchange Counter pickup: The card is ready to use immediately after topping up, with no registration required.
- CU pickup: Install the PAYCO app and register your card before use. Card registration is available via NFC or by manually entering the card number. See: “How do I register my card?”
6. Payment Method:
- Insert your card into the payment terminal — it can be used anywhere chip card payments are accepted.
7. Balance Notice:
- The payment balance and transit balance are managed separately. Each balance must be topped up individually.
- Transit top-up (cash only): Available at ticket machines in subway stations or at convenience stores.
- Payment top-up (cash only): Available at Woori Bank ATMs or any CU store.
- The card can hold a balance of up to ₩500,000.
8. Woori Bank Exchange Rate Discount:
- Lite Card users can receive a discounted exchange rate at Woori Bank branches: 70% for USD, EUR, JPY and CNY, 50% for other currencies.
- Download the PAYCO app to view the voucher and check the details, then present it to the teller at the counter. It cannot be used at ATMs.
- This benefit may be changed or ended at any time without prior notice.
9. CU pickup : requires installing the PAYCO app and registering your card before use
[How to register your card]
① Install the PAYCO app.
② Open the app and select [PAYCO Lite Card].
③ Hold the card to the back of your phone (NFC).
(No NFC, or having trouble? You can register by entering the card number instead.)
④ Once registered, you're ready to use it.
- Download the PAYCO app : https://www.payco.com/app/redirectMarket.nhn
- PAYCO Lite Card guide : https://litecard.payco.com/info
Reminders
Please select your intended use date when booking.
The PAYCO Lite Card voucher is valid for 90 days from the date of issue (date of purchase). After this period, it will be invalid and cannot be used.
No passport or ID required for pickup — just show your KKday voucher.
Pickup is available at designated Woori Bank Exchange Counters and CU stores in Incheon Airport Terminals 1 and 2. All pickup locations are open 24 hours.
Woori Bank Exchange Counter pickup: ready to use immediately after topping up, with no registration required.
CU pickup: Install the PAYCO app and register your card before use. Registration is available via NFC or by manually entering the card number.
Payment balance and transit balance are managed separately — top up each individually.
Transit top-up is cash only at ticket machines in any subway station or at convenience stores.
Payment top-up is cash only at Woori Bank ATMs or any CU store.
The card can hold a balance of up to ₩500,000.
Redemption Location
Incheon Airport Terminal 1 – Woori Bank Exchange Counter near Exit 11
Address Info: 272 Gonghang-ro, Jung-gu, Incheon, South Korea
Monday 00:00 - 23:59
Tuesday 00:00 - 23:59
Wednesday 00:00 - 23:59
Thursday 00:00 - 23:59
Friday 00:00 - 23:59
Saturday 00:00 - 23:59
Sunday 00:00 - 23:59
Woori Bank Exchange Counter is open 24 hours
Incheon Airport Terminal 2 – Woori Bank Exchange Counter near Exit 7
Address Info: 446 Je2terminal-daero, Jung-gu, Incheon, South Korea
Monday 00:00 - 23:59
Tuesday 00:00 - 23:59
Wednesday 00:00 - 23:59
Thursday 00:00 - 23:59
Friday 00:00 - 23:59
Saturday 00:00 - 23:59
Sunday 00:00 - 23:59
Woori Bank Exchange Counter is open 24 hours
Incheon Airport Terminal 1 – Woori Bank Exchange Counter near Exit 6
Address Info: 272 Gonghang-ro, Jung-gu, Incheon, South Korea
Monday 00:00 - 23:59
Tuesday 00:00 - 23:59
Wednesday 00:00 - 23:59
Thursday 00:00 - 23:59
Friday 00:00 - 23:59
Saturday 00:00 - 23:59
Sunday 00:00 - 23:59
Woori Bank Exchange Counter is open 24 hours
Incheon Airport Terminal 1 – CU Convenience Store near Exit 13
Address Info: 272 Gonghang-ro, Jung-gu, Incheon, South Korea
Monday 00:00 - 23:59
Tuesday 00:00 - 23:59
Wednesday 00:00 - 23:59
Thursday 00:00 - 23:59
Friday 00:00 - 23:59
Saturday 00:00 - 23:59
Sunday 00:00 - 23:59
Open 24 hours.
Incheon Airport Terminal 2 – CU T2 Incheon Airport Branch near Exit 5, 6
Address Info: 446 Je2terminal-daero, Jung-gu, Incheon, South Korea
Monday 00:00 - 23:59
Tuesday 00:00 - 23:59
Wednesday 00:00 - 23:59
Thursday 00:00 - 23:59
Friday 00:00 - 23:59
Saturday 00:00 - 23:59
Sunday 00:00 - 23:59
Open 24 hours.
How to Use
[How do I pick up my card?]
① Have your KKday e-voucher ready.
② Show the voucher to staff at your pickup spot (CU convenience store or Woori Bank Exchange Counter).
③ Staff will scan the voucher and the barcode on the back of the card.
④ Receive your card.
※ Woori Bank Exchange Counter pickup: ready to use immediately after topping up, with no registration required.※ CU pickup: register the card in the PAYCO app before use.
※ Cards cannot be reissued if lost — please keep it safe.
[How do I pay with the PAYCO app?]
① Open the PAYCO app.
② Generate a payment barcode.
③ Show the barcode to staff at checkout.
④ Confirm the payment is complete.
※ App payment requires email verification first.
※ Some merchants or policies may limit app payment.
[Can I use it for online shopping or food delivery?]
Yes. Order delivery via YOGIYO or BAEMIN and pay with your PAYCO app balance.
※ App payment requires email verification first.
※ Any online merchant with a PAYCO button at checkout accepts this payment (may not be available at overseas merchants).
※ See “How do I register my card?” for registration instructions.
[Can I get a refund for my leftover transit balance?]
Yes, for balances of ₩20,000 or less. Get an instant cash refund at any convenience store nationwide (GS25, CU, 7-Eleven, etc.) — a ₩500 refund fee applies.
※ Transit balance is separate from your PAYCO Lite Card balance.
※ Ez-L Customer Center: 1644-0006
[Can I top up using another card?]
No, direct top-up with another credit or debit card is not supported. Top-ups must be made in cash. Please top up using one of these instead:
• Woori Bank ATMs (no fee)
• Woori Bank Exchange Counters or exchange ATMs at the airport (foreign currency accepted)
• Any CU store via the PAYCO app
[How do I cash out my remaining card balance?]
Before cashing out: install the PAYCO app, verify your email, and set a password.
【At a Woori Bank ATM】
① Select "Withdrawal" → ② Insert card → ③ Enter password → ④ Select amount → ⑤ Done
※ Fee: ₩500 per withdrawal
【At a convenience store ATM】
(Hyosung, Nice, or Hanet brands — set the screen to Korean)
① Select "Mobile/Point Withdrawal" → ② Select "PAYCO" → ③ Select "Card Withdrawal" → ④ Insert card
⑤ Select amount → ⑥ Enter password → Done
※ Insert the card only after selecting the menu — inserting it first may not register.
※ Fee: ₩1,100 per withdrawal
【Via the PAYCO app + CU store】
① Enter the amount in the app → ② Enter your payment password
③ Generate a cash-out barcode → ④ Show it to CU staff to collect cash
※ Fee: ₩500 per withdrawal
[How do I register my card?]
If you picked up your card at CU, you’ll need to register it in the PAYCO app before use.
① Install the PAYCO app.
② Open the app and select “PAYCO Lite Card.”
③ Hold the card to the back of your phone to register it via NFC. (No NFC, or having trouble? You can register the card by manually entering the card number instead.)
④ Once registered, the card is ready to use.
※ If you picked up your card at a Woori Bank Exchange Counter, it is ready to use immediately after topping up, with no registration required.
[My phone isn't recognizing the card via NFC. What should I do?]
The NFC reader's location varies by phone model, so try holding the card against different spots on the back of your phone.
Still not working? You can register the card by entering the card number instead.
※ Check your phone's manual for the exact NFC reader location.
[I lost my card. What should I do?]
Report it lost in the PAYCO app, then buy a new card and register it — your PAYCO balance carries over.
[How to report a lost card]
Open the PAYCO app → go to Card Management > Report Lost / Deactivate, and file the report.
※ Reporting it lost immediately suspends the card so no one else can use it.
※ Transit balance cannot be transferred if the card is lost.
[Can I transfer my lost card's balance to a new card?]
Yes. First, complete a lost-card report under Card Management > Report Lost / Deactivate. If you're logged out and haven't set up email sign-in, you won't be able to re-register a new card — make sure you're logged in before continuing.
[Steps]
① Buy a new card.
② In the PAYCO app: Card Management > Report Lost / Deactivate > (register your email if you haven't) > Register New Card.
③ Once registered, your previous balance is available again.
How to Use Your Voucher
- The e-voucher will be sent to your email inbox. Please exchange it for physical tickets at the designated location
Validity Period
- Valid for use within 90day(s) from the date of issue; Invalid after expiration
- The voucher is valid for 90 days from the date of issue (date of purchase). After this period, it will become invalid and cannot be used.
Cancellation Policy
- Once the order has been completed, it cannot be canceled, modified, or refunded
- Due to time zone differences, the confirmed cancellation date is based on the supplier’s local time. Please allow 2–5 business days to process your cancellation request, after which the cancellation fee will be charged according to the product’s cancellation policy. Once your refund request is confirmed, KKday will initiate the refund to your original payment method within 15 days. The actual refund timing depends on your card-issuing bank’s policy.
