Top 5 Payment Systems in Kazakhstan for Businesses and IT Projects

When a business launches an online store, mobile app or digital platform, one of the first questions is: which payment system should we integrate?

Over the last few years, Kazakhstan has developed many strong payment solutions. Each system has its own advantages, APIs, commissions and integration experience.

At SoftSale, we have integrated different payment systems into mobile apps, marketplaces, delivery services and web platforms. Here are some of the most popular solutions on the market today.

1. Halyk Bank ePay

One of the most popular payment systems in Kazakhstan.

Very commonly used in:

— e-commerce

— mobile apps

— marketplaces

— online services

The biggest advantage of ePay is stability and user trust.

Businesses usually like:

— Apple Pay and Google Pay support

— convenient API

— online payments

— recurring payments

— mobile and web support

At SoftSale, we also frequently use ePay in projects where reliable local infrastructure is important.

2. Kaspi.kz Pay

Kaspi has already become part of user behavior in Kazakhstan 😄

Customers now expect:

— Kaspi QR

— Kaspi payments

— installments

— fast checkout without extra steps

It works especially well for:

— retail

— e-commerce

— delivery

— online stores

For some industries, having Kaspi Pay directly impacts payment conversion.

3. Freedom Bank Pay

Freedom is growing aggressively in the digital direction and is increasingly appearing in new IT projects.

Advantages:

— modern UX

— API integrations

— online acquiring

— fast onboarding

Often used by startups and digital services.

4. PayBox

A popular solution among developers and e-commerce projects.

Usually chosen for:

— simple integration

— support for multiple payment methods

— fast launch

— subscription support

A convenient option for MVPs and startups.

5. Wooppay

One of the oldest and most well-known payment systems in Kazakhstan.

Suitable for:

— marketplaces

— educational platforms

— online services

— B2B solutions

Advantages include:

— API

— mass payouts

— multichannel payments

— banking integrations

What Really Matters When Choosing a Payment System

Many companies choose payment providers based only on commissions.

But in practice, much more important factors are:

— API stability

— documentation quality

— integration speed

— Apple Pay and Google Pay support

— payment UX

— support quality

Sometimes a “cheap” payment solution later creates much bigger problems during development and maintenance.

Today many projects integrate several payment methods at once to improve conversion and avoid dependency on a single provider.

And if you are launching an online store, mobile app or platform, you can always contact us at SoftSale. We can help choose the best payment solution for your business model and product.