How does a Kaspi payment work?
The shopper selects Kaspi at checkout. On desktop the provider shows a QR code, which the shopper scans with the Kaspi.kz app. On mobile the shopper is sent straight into the app. The app shows the merchant name and the amount, the shopper confirms, and the money is debited from their Kaspi account. The result comes back in real time and the shopper returns to the merchant’s result page.
Payments are in KZT only. Providers set their own limits. Antom lists a minimum of KZT 0.01 and a maximum of KZT 1,000,000 per payment, and its QR code times out after 10 minutes by default. Some providers also offer an invoice flow, where the merchant sends a payment request to the shopper’s phone number and the shopper approves it in the app.
Why does Kaspi matter for merchants?
Many Kazakh shoppers keep their everyday money in the Kaspi.kz app. Kaspi reported 14.8 million payments active consumers in the 12 months to June 2026, up 5% on a year earlier. Each active consumer in Kazakhstan makes 77 transactions a month with Kaspi on average, across payments, shopping, loans and government services. Payments volume in the second quarter of 2026 was KZT 12.7 trillion, 13% more than a year earlier.
The app is also familiar in shops. Kaspi QR is used at the till across the country, and from 17 July 2026 Kaspi joined Kazakhstan’s interbank mobile payments system. Customers of other Kazakh banks can now pay a Kaspi QR code with their own bank’s app at more than 700,000 points of sale, and Kaspi customers can pay other banks’ QR codes. That change is about in-store QR payments; online checkouts that offer Kaspi still expect a Kaspi.kz account.
For a merchant selling digital goods, travel or retail into Kazakhstan, a checkout with cards only asks many shoppers to find a card they rarely use online. Offering Kaspi next to cards lets them pay in the app they already use.
What can go wrong?
Most Kaspi failures are flow problems rather than declines. A QR code that times out leaves a shopper who switched tabs with a dead code. Mobile redirects can break when the app is not installed or the browser blocks the deep link. A low balance or an app limit causes declines that look like technical errors to the shopper.
There are no card-style chargebacks. Antom lists chargebacks and disputes as not supported for Kaspi, so complaints are settled between the shopper, Kaspi and the merchant. Clear order and delivery records are the main defence.
Kaspi is for shoppers with a Kaspi.kz account, so visitors from outside Kazakhstan cannot use it online. It is a pay-in method only. A merchant that also pays sellers or customers in Kazakhstan needs a separate payout route.
How does Omno handle Kaspi?
Omno connects to Kaspi through payment providers. The hosted checkout shows the right flow for each device: a QR code on desktop and an app redirect on mobile. Merchants with their own checkout use Direct Links. Eligibility rules decide who sees Kaspi, for example only shoppers in Kazakhstan paying in KZT. Routing rules set by the merchant choose the provider. In the hosted checkout, if that provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts. The order stays pending until the shopper confirms, and the final result arrives by webhook, which is the source of truth for confirming an order. The routing-decision log records which provider handled each payment.