diff --git a/scripts/chatPaymentSettlementUpdater.js b/scripts/chatPaymentSettlementUpdater.js
new file mode 100644
index 00000000..76e43682
--- /dev/null
+++ b/scripts/chatPaymentSettlementUpdater.js
@@ -0,0 +1,34 @@
+// Issue #449-1을 해결하기 위한 DB 마이그레이션 스크립트입니다.
+// chat type 중 settlement와 payment를 서로 교체합니다.
+// https://github.com/sparcs-kaist/taxi-back/issues/449
+
+const { MongoClient } = require("mongodb");
+const { mongo: mongoUrl } = require("../loadenv");
+
+const client = new MongoClient(mongoUrl);
+const db = client.db("taxi");
+const chats = db.collection("chats");
+
+async function run() {
+  try {
+    for await (const doc of chats.find()) {
+      if (doc.type === "settlement" || doc.type === "payment") {
+        await chats.findOneAndUpdate(
+          { _id: doc._id },
+          {
+            $set: {
+              type: doc.type === "settlement" ? "payment" : "settlement",
+            },
+          }
+        );
+      }
+    }
+  } catch (err) {
+    console.log(err);
+  } finally {
+    await client.close();
+  }
+}
+run().then(() => {
+  console.log("Done!");
+});
diff --git a/src/lottery/modules/contracts.js b/src/lottery/modules/contracts.js
index 87a24a84..72a62deb 100644
--- a/src/lottery/modules/contracts.js
+++ b/src/lottery/modules/contracts.js
@@ -127,7 +127,7 @@ const completeFirstLoginQuest = async (userId, timestamp) => {
  * @param {Date} roomObject.time - 출발 시각입니다.
  * @returns {Promise}
  * @description 정산 요청 또는 송금이 이루어질 때마다 호출해 주세요.
- * @usage rooms - commitPaymentHandler, rooms - settlementHandler
+ * @usage rooms - commitSettlementHandler, rooms - commitPaymentHandler
  */
 const completePayingAndSendingQuest = async (userId, timestamp, roomObject) => {
   logger.info(
@@ -167,7 +167,7 @@ const completeFirstRoomCreationQuest = async (userId, timestamp) => {
  * @param {Date} roomObject.time - 출발 시각입니다.
  * @returns {Promise}
  * @description 정산 요청이 이루어질 때마다 호출해 주세요.
- * @usage rooms - commitPaymentHandler
+ * @usage rooms - commitSettlementHandler
  */
 const completePayingQuest = async (userId, timestamp, roomObject) => {
   logger.info(
@@ -195,7 +195,7 @@ const completePayingQuest = async (userId, timestamp, roomObject) => {
  * @param {Date} roomObject.time - 출발 시각입니다.
  * @returns {Promise}
  * @description 송금이 이루어질 때마다 호출해 주세요.
- * @usage rooms - settlementHandler
+ * @usage rooms - commitPaymentHandler
  */
 const completeSendingQuest = async (userId, timestamp, roomObject) => {
   logger.info(
diff --git a/src/modules/socket.js b/src/modules/socket.js
index c238ce64..9cda8991 100644
--- a/src/modules/socket.js
+++ b/src/modules/socket.js
@@ -82,11 +82,11 @@ const getMessageBody = (type, nickname = "", content = "") => {
       const suffix = "님이 퇴장하였습니다";
       return `${ellipsisedNickname} ${suffix}`;
     }
-    case "payment": {
+    case "settlement": {
       const suffix = "님이 정산을 시작하였습니다";
       return `${ellipsisedNickname} ${suffix}`;
     }
-    case "settlement": {
+    case "payment": {
       const suffix = "님이 송금을 완료하였습니다";
       return `${ellipsisedNickname} ${suffix}`;
     }
diff --git a/src/routes/docs/chats.js b/src/routes/docs/chats.js
index 0aaa1c6d..f9107201 100644
--- a/src/routes/docs/chats.js
+++ b/src/routes/docs/chats.js
@@ -211,7 +211,7 @@ chatsDocs[`${apiPrefix}/send`] = {
 
     Chat {
       roomId: ObjectId, //방의 objectId
-      type: String, // 메시지 종류 ("text": 일반 메시지, "s3img": S3에 업로드된 이미지, "in": 입장 메시지, "out": 퇴장 메시지, "payment": 결제 메시지, "settlement": 정산 완료 메시지, "account": 계좌 전송 메시지)
+      type: String, // 메시지 종류 ("text": 일반 메시지, "s3img": S3에 업로드된 이미지, "in": 입장 메시지, "out": 퇴장 메시지, "settlement": 정산 메시지, "payment": 송금 메시지, "account": 계좌 전송 메시지)
       authorId: ObejctId, //작성자의 objectId
       content: String, // 메시지 내용 (메시지 종류에 따라 포맷이 상이함)
       time: String(ISO 8601), // ex) 2024-01-08T01:52:00.000Z
diff --git a/src/routes/docs/rooms.js b/src/routes/docs/rooms.js
index 710bf649..87488b11 100644
--- a/src/routes/docs/rooms.js
+++ b/src/routes/docs/rooms.js
@@ -683,11 +683,11 @@ roomsDocs[`${apiPrefix}/searchByUser`] = {
   },
 };
 
-roomsDocs[`${apiPrefix}/commitPayment`] = {
+roomsDocs[`${apiPrefix}/commitSettlement`] = {
   post: {
     tags: [tag],
-    summary: "방 결제 처리",
-    description: `해당 방에 요청을 보낸 유저를 결제자로 처리합니다.<br/>
+    summary: "방 정산 요청 처리",
+    description: `해당 방에 요청을 보낸 유저를 결제자로 처리하여, 다른 유저들에게 정산을 요청합니다.<br/>
     이미 출발한 방에 대해서만 요청을 처리합니다.<br/>
     방의 \`part\` 배열에서 요청을 보낸 유저의 \`isSettlement\` 속성은 \`paid\`로 설정됩니다.<br/>
     나머지 유저들의 \`isSettlement\` 속성을 \`send-required\`로 설정합니다.`,
@@ -731,7 +731,7 @@ roomsDocs[`${apiPrefix}/commitPayment`] = {
               },
             },
             example: {
-              error: "Rooms/:id/commitPayment : cannot find settlement info",
+              error: "Rooms/:id/commitSettlement : cannot find settlement info",
             },
           },
         },
@@ -749,7 +749,7 @@ roomsDocs[`${apiPrefix}/commitPayment`] = {
               },
             },
             example: {
-              error: "Rooms/:id/commitPayment : internal server error",
+              error: "Rooms/:id/commitSettlement : internal server error",
             },
           },
         },
@@ -758,11 +758,11 @@ roomsDocs[`${apiPrefix}/commitPayment`] = {
   },
 };
 
-roomsDocs[`${apiPrefix}/commitSettlement`] = {
+roomsDocs[`${apiPrefix}/commitPayment`] = {
   post: {
     tags: [tag],
-    summary: "방 정산 완료 처리",
-    description: `해당 방에 요청을 보낸 유저를 정산 완료로 처리합니다.<br/>
+    summary: "방 송금 처리",
+    description: `해당 방에 요청을 보낸 유저를 송금을 완료한 정산 완료로 처리합니다.<br/>
     방의 \`part\` 배열에서 요청을 보낸 유저의 \`isSettlement\` 속성은 \`send-required\`에서 \`sent\`로 변경합니다.<br/>
     방의 참여한 유저들이 모두 정산완료를 하면 방의 \`isOver\` 속성이 \`true\`로 변경되며, 과거 방으로 취급됩니다.`,
     requestBody: {
@@ -805,7 +805,7 @@ roomsDocs[`${apiPrefix}/commitSettlement`] = {
               },
             },
             example: {
-              error: "Rooms/:id/settlement : cannot find settlement info",
+              error: "Rooms/:id/commitPayment : cannot find settlement info",
             },
           },
         },
@@ -823,7 +823,7 @@ roomsDocs[`${apiPrefix}/commitSettlement`] = {
               },
             },
             example: {
-              error: "Rooms/:id/settlement : internal server error",
+              error: "Rooms/:id/commitPayment : internal server error",
             },
           },
         },
diff --git a/src/routes/docs/schemas/roomsSchema.js b/src/routes/docs/schemas/roomsSchema.js
index 39dcd8bf..a0af753e 100644
--- a/src/routes/docs/schemas/roomsSchema.js
+++ b/src/routes/docs/schemas/roomsSchema.js
@@ -31,6 +31,14 @@ roomsZod["room"] = z
   })
   .partial({ settlementTotal: true, isOver: true });
 
+roomsZod["commitSettlement"] = z.object({
+  roomId: z.string().regex(objectId),
+});
+
+roomsZod["commitPayment"] = z.object({
+  roomId: z.string().regex(objectId),
+});
+
 const roomsSchema = zodToSchemaObject(roomsZod);
 
 module.exports = { roomsSchema, roomsZod };
diff --git a/src/routes/rooms.js b/src/routes/rooms.js
index 6334136d..6345fa6f 100644
--- a/src/routes/rooms.js
+++ b/src/routes/rooms.js
@@ -1,5 +1,7 @@
 const express = require("express");
 const { query, body } = require("express-validator");
+const { validateBody } = require("../middlewares/zod");
+const { roomsZod } = require("./docs/schemas/roomsSchema");
 const router = express.Router();
 
 const roomHandlers = require("../services/rooms");
@@ -91,19 +93,18 @@ router.post(
 // 로그인된 사용자의 모든 방들을 반환한다.
 router.get("/searchByUser", roomHandlers.searchByUserHandler);
 
+// 해당 방에 요청을 보낸 유저의 정산을 처리한다.
 router.post(
-  "/commitPayment",
-  body("roomId").isMongoId(),
-  validator,
-  roomHandlers.commitPaymentHandler
+  "/commitSettlement",
+  validateBody(roomsZod.commitSettlement),
+  roomHandlers.commitSettlementHandler
 );
 
-// 해당 룸의 요청을 보낸 유저의 정산을 완료로 처리한다.
+// 해당 방에 요청을 보낸 유저의 송금을 처리한다.
 router.post(
-  "/commitSettlement",
-  body("roomId").isMongoId(),
-  validator,
-  roomHandlers.settlementHandler
+  "/commitPayment",
+  validateBody(roomsZod.commitPayment),
+  roomHandlers.commitPaymentHandler
 );
 
 // json으로 수정할 값들을 받아 방의 정보를 수정합니다.
diff --git a/src/services/rooms.js b/src/services/rooms.js
index cf8b6e9e..a1a61913 100644
--- a/src/services/rooms.js
+++ b/src/services/rooms.js
@@ -559,7 +559,7 @@ const searchByUserHandler = async (req, res) => {
   }
 };
 
-const commitPaymentHandler = async (req, res) => {
+const commitSettlementHandler = async (req, res) => {
   try {
     const user = await userModel.findOne({ id: req.userId });
     const { roomId } = req.body;
@@ -593,7 +593,7 @@ const commitPaymentHandler = async (req, res) => {
 
     if (!roomObject) {
       return res.status(404).json({
-        error: "Rooms/:id/commitPayment : cannot find settlement info",
+        error: "Rooms/:id/commitSettlement : cannot find settlement info",
       });
     }
 
@@ -606,17 +606,17 @@ const commitPaymentHandler = async (req, res) => {
     if (userOngoingRoomIndex === -1) {
       await user.save();
       return res.status(500).json({
-        error: "Rooms/:id/settlement : internal server error",
+        error: "Rooms/:id/commitSettlement : internal server error",
       });
     }
     user.ongoingRoom.splice(userOngoingRoomIndex, 1);
 
     await user.save();
 
-    // 결제 채팅을 보냅니다.
+    // 정산 채팅을 보냅니다.
     await emitChatEvent(req.app.get("io"), {
       roomId,
-      type: "payment",
+      type: "settlement",
       content: user.id,
       authorId: user._id,
     });
@@ -638,12 +638,12 @@ const commitPaymentHandler = async (req, res) => {
   } catch (err) {
     logger.error(err);
     res.status(500).json({
-      error: "Rooms/:id/commitPayment : internal server error",
+      error: "Rooms/:id/commitSettlement : internal server error",
     });
   }
 };
 
-const settlementHandler = async (req, res) => {
+const commitPaymentHandler = async (req, res) => {
   try {
     const { roomId } = req.body;
     const user = await userModel.findOne({ id: req.userId });
@@ -671,7 +671,7 @@ const settlementHandler = async (req, res) => {
 
     if (!roomObject) {
       return res.status(404).json({
-        error: "Rooms/:id/settlement : cannot find settlement info",
+        error: "Rooms/:id/commitPayment : cannot find settlement info",
       });
     }
 
@@ -684,17 +684,17 @@ const settlementHandler = async (req, res) => {
     if (userOngoingRoomIndex === -1) {
       await user.save();
       return res.status(500).json({
-        error: "Rooms/:id/settlement : internal server error",
+        error: "Rooms/:id/commitPayment : internal server error",
       });
     }
     user.ongoingRoom.splice(userOngoingRoomIndex, 1);
 
     await user.save();
 
-    // 정산 채팅을 보냅니다.
+    // 송금 채팅을 보냅니다.
     await emitChatEvent(req.app.get("io"), {
       roomId,
-      type: "settlement",
+      type: "payment",
       content: user.id,
       authorId: user._id,
     });
@@ -716,7 +716,7 @@ const settlementHandler = async (req, res) => {
   } catch (err) {
     logger.error(err);
     res.status(500).json({
-      error: "Rooms/:id/settlement : internal server error",
+      error: "Rooms/:id/commitPayment : internal server error",
     });
   }
 };
@@ -811,6 +811,6 @@ module.exports = {
   searchHandler,
   searchByUserHandler,
   commitPaymentHandler,
-  settlementHandler,
+  commitSettlementHandler,
   // editHandler,
 };
diff --git a/test/services/rooms.js b/test/services/rooms.js
index e17ae6af..4e948ad1 100644
--- a/test/services/rooms.js
+++ b/test/services/rooms.js
@@ -141,8 +141,8 @@ describe("[rooms] 6.searchByUserHandler", () => {
 });
 
 // 7. 1분이 지난 후, 정산 정보를 불러옴. 예상과 같은 정보를 불러오는지 확인
-describe("[rooms] 7.commitPaymentHandler", () => {
-  it("should return information of room and commit payment", async () => {
+describe("[rooms] 7.commitSettlementHandler", () => {
+  it("should return information of room and commit settlement", async () => {
     const testUser1 = await userModel.findOne({ id: "test1" });
     const testRoom = await roomModel.findOne({ name: "test-room" });
     let req = httpMocks.createRequest({
@@ -152,7 +152,7 @@ describe("[rooms] 7.commitPaymentHandler", () => {
       app,
     });
     let res = httpMocks.createResponse();
-    await roomsHandlers.commitPaymentHandler(req, res);
+    await roomsHandlers.commitSettlementHandler(req, res);
 
     const resData = res._getData();
     expect(resData).to.has.property("name", "test-room");
@@ -161,9 +161,9 @@ describe("[rooms] 7.commitPaymentHandler", () => {
   });
 });
 
-// 8. 도착 정보를 불러옴. 예상과 같은 정보를 불러오는지 확인
-describe("[rooms] 8.settlementHandler", () => {
-  it("should return information of room and set settlement", async () => {
+// 8. 송금 후 정산 정보를 불러옴. 예상과 같은 정보를 불러오는지 확인
+describe("[rooms] 8.commitPaymentHandler", () => {
+  it("should return information of room and commit payment", async () => {
     const testUser2 = await userModel.findOne({ id: "test2" });
     const testRoom = await roomModel.findOne({ name: "test-room" });
     let req = httpMocks.createRequest({
@@ -172,7 +172,7 @@ describe("[rooms] 8.settlementHandler", () => {
       app,
     });
     let res = httpMocks.createResponse();
-    await roomsHandlers.settlementHandler(req, res);
+    await roomsHandlers.commitPaymentHandler(req, res);
 
     const resData = res._getData();
     expect(resData).to.has.property("name", "test-room");