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소액결제 현금화 서비스는 정보이용료, 신용카드 등을 통해 누구나 간편하고 손쉽게 현금 자금을 마련할 수 있어 이미 많은 이들이 사용하고 있다. 허나, 정식 등록 업계에서는 “소액결제 현금화 서비스에 대한 정확한 이해와 검토없이 이를 진행하여 요금 폭탄을 맞거나, 미납, 연체로 인해 개인 신용등급이 하락할 수 있어 소액결제 현금화 서비스 이용시 개인의 신용점검이 우선시 되어야 한다.”는 주장이 제기되고 있다.

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