Kaspi Pay
国家/地区: 哈萨克斯坦 (KZ) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 60%
Kaspi Pay 是哈萨克斯坦占据垄断地位的国民级超级应用与移动支付生态，以 Kaspi QR 扫码支付和免息分期为核心，广泛用于电商结账、线下扫码、水电账单及日常转账。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax