Halyk Pay
Country: Kazakhstan (KZ) | Payment Rail: closed_loop_wallet
DigitalWallet
Market Adoption: 18%
Halyk Pay is the flagship mobile digital wallet by Halyk Bank in Kazakhstan, featuring direct banking integration and Halyk QR payments widely used for online shopping, retail checkout, and utility bills.
🔄 User Payment Flow
- User selects Halyk Pay / Halyk QR at checkout
- User scans Halyk QR or clicks app redirect to Halyk Homebank
- User verifies amount and chooses linked Halyk debit/credit card or bonus points
- User authorizes transaction with biometric authentication or SMS code
- Payment clears and digital receipt is generated
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | NO |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant generates payment request using Halyk E-Commerce Gateway API (EPAY)
- Customer completes authentication in Halyk mobile banking
- Halyk Bank processes instant settlement to merchant account
- Merchant receives webhook callback confirmation
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 PayerMax