How does a super app work?
One company runs several services in one app on one account: a marketplace, payments and transfers, bill payments, savings and credit. Kaspi.kz describes a two-sided model, the Kaspi.kz Super App for consumers and the Kaspi Pay Super App for merchants, giving access to its payments, marketplace and fintech platforms. Click in Uzbekistan calls its app Click SuperApp, where users pay with linked Uzcard, Humo or UnionPay cards. In Latin America, MercadoLibre describes itself as an e-commerce and fintech ecosystem, with its marketplace and Mercado Pago on one platform.
Why does it matter for merchants?
Where a super app is part of daily life, customers expect to pay with it online: from the app’s balance, by QR code or in instalments funded by the app’s own lending. Kaspi reports that buy now, pay later loans made up 41% of its fintech platform’s total finance value in 2025, and MercadoLibre reported 88 million fintech monthly active users in the second quarter of 2026. As an illustrative example: a store selling into Kazakhstan has 10,000 checkouts a month at 20,000 tenge, and 3,000 end at the card form. If adding the leading local app as a method recovers a third of them, that is 1,000 more orders, or 20 million tenge a month.
What are the limits?
Each super app is its own closed system, with its own integration, contract, settlement terms and refund rules, and it is usually tied to one home market and its currency. The customer leaves the merchant’s checkout to confirm in the app and may not come back, so the order status must come from the provider, not the browser.
Where does Omno use it?
Omno connects super app payment methods through its PSPs where they are available, and its payment method pages include methods such as Kaspi, Click and Mercado Pago. The hosted checkout shows them based on country, customer group and eligibility rules, and the final status arrives by webhook.