해피머니 현금화hello. We will tell you how to cash in Happy Money. It’s called santech (gift certificate investment). At first, I didn’t quite understand why I was doing this, but here’s how to explain the basic cycle of why I do santech.
Step1. Purchase a Happy Money gift certificate (worth 1 million won at 920,000 won) with a card that can be used. Step2. Charge Happy Money (1 million won) using the Happy Money gift certificate. Step3. Convert the charged Happy Money (KRW 1 million) to Paycom money (KRW 920,000, fee 80,000 KRW). Step4. The converted paycom money (920,000 won) is refunded in cash.
In this way, none of our money goes in, and we get 920,000 won in card performance.
+ Earning 920,000 won in card performance means that mileage will be accumulated if the card is a mileage-related card, and points will be earned if the card is a point-related card. It refers to a card that is captured by performance.
Examples of cards that do not accept gift certificates
Examples of cards that accept gift certificates
I plan to discuss more about the Sangtech card in another post. Today, I will tell you about Happy Money cashing in detail.
In the process of cashing Happy Money, an 8% commission is incurred, so we have to buy at an 8% discount from the time of purchase to avoid additional expenses. In other words, if you buy a 50,000 won gift certificate for 46,000 won, there is no additional expenditure. I think that I can spend about 100 won per 50,000 won, that is, 2,000 won for a million won (like buying mileage with money…), so I tend to buy this amount. Anyway, I buy Happy Money using WeMakePrice, Tmon, etc.
Then you will receive a text message containing your PIN number.
Go to the Happy Cash Recharge tab.
Happy Money can be recharged up to 10 at a time. It’s very laborious on mobile, so I recommend you to do it on PC.
If there is a wrong number in the middle, it tells you like this.
If you recharge 10 times twice like this, your Happy Cash balance will be 1 million won.
It is said that the limit of gift certificate purchase card company is 1 million won. So, we are guiding you to 1 million won.
Now, let’s go to the Payco app with the charged Happy Cash of 1 million won.
Click the More tab at the bottom right and click Recharge.
Since you are going to recharge your Paycom money with a Happy Money gift certificate, click Happy Money gift certificate.
Then, you need to enter your Happy Money ID and payment password.
You can find out the payment password through the Happy Money app or the Happy Money website.
The recharge limit is KRW 500,000 at a time, KRW 1 million per day, and KRW 2 million per month. Therefore, if you purchase a gift certificate worth KRW 1 million with one card, you must split it into two payments and convert it to Paycomony. If you use two cards, the monthly limit of Paycomony recharge in Happy Money will be exhausted.
As I said at the beginning, the 8% commission is subtracted. So out of 500,000 won, 40,000 won is a fee and only 460,000 won is charged. However, since I bought 500,000 won at 460,000 won (or 460,000 won) from the beginning, there is no loss due to fees.
After charging 500,000 won of Paycom money twice, you will have 920,000 won of Paycom money. Now, let’s get this Paycom money refunded again.
important here! Charged Paycom money is refunded in cash only when you use even 1 won. So, you need to export 1 won out of the charged 460,000 won to Naver Pay.
press switch
in the export tab
Send 1 Won to Naper Bay.
Go back to the refund tab.
Then, 459,999 won excluding 1 won will appear as refundable points. If you do not send out even 1 won like this, it will appear as 0 won in the points that can be refunded. That’s why we export 1 won. Since you do a lot of shopping on Naver, if you use 1 won on Naver Pay when shopping, 1 won won’t matter much, right?
Then, please apply for a refund like this.
That way, 459,999 won will be refunded directly to your account. Up to 1 million won per day is possible, so if you apply in two parts, 920,000 won excluding 2 won will be deposited into your account.
So far, we have told you how to convert Happy Money gift certificates into cash.
