Kaspi Pay
Country: Kazakhstan (KZ) | Payment Rail: closed_loop_wallet
DigitalWallet
Market Adoption: 60%
Kaspi Pay is the dominant super-app and mobile payment ecosystem in Kazakhstan, featuring ubiquitous QR checkout and interest-free installment plans widely used for e-commerce, in-store shopping, and P2P transfers.
🔄 User Payment Flow
- User selects Kaspi Pay / Kaspi QR at merchant checkout
- Merchant generates dynamic Kaspi QR code or deep links into Kaspi.kz app
- User opens Kaspi.kz app and scans QR code or approves push notification
- User selects funding source (Kaspi Gold, Kaspi Red 0% installment, or Kaspi Deposit)
- User confirms transaction with FaceID, fingerprint, or PIN and order is confirmed
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant initiates payment request via Kaspi Pay E-Commerce API
- Kaspi engine creates transaction token and displays QR / app redirect
- Customer authorizes payment within Kaspi.kz Super App ecosystem
- Kaspi executes instant clearing and delivers real-time webhook callback
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 PayerMax