Sources: National Bank of Kazakhstan and provider disclosures, 2024–2025.
How Kazakhstan pays
Kazakhstan is one of Central Asia's most digital payment markets, and much of it runs through super apps. Kaspi.kz combines banking, a marketplace and Kaspi QR payments in one app used across the country, and Halyk Bank's app is the other major player. Visa and Mastercard debit cards are widely held, and the National Bank of Kazakhstan has built an instant payment system for account-to-account transfers.
Cards remain the common ground for international merchants, since super app payments are largely domestic. For a merchant, the value is optimization: cards and wallets behind one integration, 3DS on card-not-present payments, and routing and retries across acquirers to protect approvals, with tenge pricing and settlement in your base currency.
Why merchants run on us here
A super app market
Kaspi.kz and Halyk Bank's app carry much of everyday payment, from QR to marketplace checkout.
Cards as common ground
Local Visa and Mastercard cards plus the express wallets, behind one integration.
3DS and retries
3DS on card-not-present payments, with routing and retries across acquirers.
Tenge pricing and FX
Price in KZT and settle in your base currency, with FX handled for you.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Kazakhstan
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Kazakhstan like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Kazakhstan through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Kazakhstani tenge (KZT) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Kazakhstan?
Talk to our payments team about going live in Kazakhstan — coverage, local acquiring, settlement and timelines for your business.