diff --git a/sdk/src/main/java/com/iamport/sdk/data/chai/response/UserData.kt b/sdk/src/main/java/com/iamport/sdk/data/chai/response/UserData.kt
index a73b0353..d9972bc9 100644
--- a/sdk/src/main/java/com/iamport/sdk/data/chai/response/UserData.kt
+++ b/sdk/src/main/java/com/iamport/sdk/data/chai/response/UserData.kt
@@ -2,9 +2,11 @@ package com.iamport.sdk.data.chai.response
 
 import com.iamport.sdk.data.sdk.PG
 
+// PG정보가 없어도(회원가입 후 즉시 or PG 를 API 방식으로만 이용하는 경우 or 본인인증만 이용하는 경우) 에도
+// pg_id 가 null 로 해당 데이터가 하나는 무조건 있으므로 다 nullable 처리한다 ㅠ
 data class UserData(
-    val pg_provider: String?, // TODO: 2020-12-15 015 nullable 로 오는데.. 확인필요..
-    val pg_id: String,
+    val pg_provider: String?,
+    val pg_id: String?,
     val sandbox: Boolean?,
-    val type: String,
+    val type: String?,
 )
\ No newline at end of file
diff --git a/sdk/src/main/java/com/iamport/sdk/presentation/viewmodel/MainViewModel.kt b/sdk/src/main/java/com/iamport/sdk/presentation/viewmodel/MainViewModel.kt
index e51b9432..01d2dbe3 100644
--- a/sdk/src/main/java/com/iamport/sdk/presentation/viewmodel/MainViewModel.kt
+++ b/sdk/src/main/java/com/iamport/sdk/presentation/viewmodel/MainViewModel.kt
@@ -121,7 +121,11 @@ class MainViewModel(private val bus: NativeLiveDataEventBus, private val reposit
 
                 d("$this")
                 when (first) {
-                    JudgeStrategy.JudgeKinds.CHAI -> second?.let { repository.chaiStrategy.doWork(it.pg_id, third) }
+                    JudgeStrategy.JudgeKinds.CHAI -> second?.let {
+                        it.pg_id?.let { pgId ->
+                            repository.chaiStrategy.doWork(pgId, third)
+                        }
+                    }
                     JudgeStrategy.JudgeKinds.WEB,
                     JudgeStrategy.JudgeKinds.CERT -> bus.webViewActivityPayment.postValue(Event(third))
                     else -> Logger.e("판단불가 $third")