How to Register an IP Online in Kazakhstan and Prepare to Sell on Kaspi.kz

Quick summary — for those who act

If you need to register an IP quickly and without mistakes to operate on Kaspi.kz: 1) prepare the registration address and ID, 2) submit an application through eGov (or a service center — MFC), 3) save the registration slip, 4) connect Kaspi Pay and open a settlement account, 5) register in the ESF system at esf.gov.kz if you will issue electronic invoices. On average the whole cycle takes 1–5 business days when registering online, and 7–10 days if additional checks are required.

Why this article is useful for a Kaspi seller in 2026

I outline the sequence of actions and common mistakes I see among sellers: wrong registration address, incorrectly entered activity codes (OKED), missing the registration slip when opening a bank account, and delays with ESF. I provide concrete instructions for registering an IP online and for further setting up a store on Kaspi.kz, including links to relevant AWW guides and practical articles in the AWW journal.

Prerequisites for IP Registration (What to prepare before applying)

1. Decide on legal form and tax regime

For a sole trader, the common choice is the individual entrepreneur (IP) status. Before you register an IP, determine your expected annual turnover and the type of activity (OKED). These determine the tax regime: simplified system, patent, or general regime. In 2026, for most marketplace sellers in Kazakhstan with turnover up to 30–40 million KZT per year, the simplified regime gives simple reporting; if you do B2B trade and issue ESFs, registration in the ESF system will be required.

2. Prepare ID and proof of address

You'll need a national ID (or other acceptable ID) and a registration address. A virtual address is allowed but may trigger additional checks by marketplaces and banks — keep the service agreement or lease to prove the connection to the activity location.

3. Decide on activities and OKED codes

Choose the OKED codes that match your main activities (retail trade, wholesale, services). Incorrect codes are a common cause of delays when connecting payment services or when tax authorities review your profile.

4. Electronic signature (ECP)

Having an electronic digital signature (ECP) speeds up the process: you can submit, sign and receive documents online. Without ECP you can still register via an MFC or receive paper documents, but expect an extra 1–3 days for signing/verification.

Online Registration Process (IP registration online: step-by-step)

1. Sign in to eGov. Use your account to access the IP registration service.
2. Fill in the application. Enter personal data, registration address, chosen OKEDs and the preferred tax regime.
3. Sign with ECP. If you have an ECP — sign the application electronically. If not — choose in-person submission via MFC.
4. Submit and receive the registration slip. After processing you will receive a registration slip (PDF) that confirms the registration and contains the registration details.
5. Open a settlement account and connect Kaspi Pay. Use the registration slip to open a bank account and apply for Kaspi Pay integration for payments on Kaspi.kz.

Typical processing times: online with ECP — 1–5 business days; via MFC or without ECP — up to 7–10 business days depending on checks.

Required Documents and Fees (Documents and costs)

• National ID (or passport where applicable).
• Proof of registration address (lease agreement, ownership document, or virtual address contract).
• Signed application (ECP or physical signature at MFC).
• Fee for registration — usually nominal or waived depending on the service and year; check eGov for current tariffs.

Keep electronic copies (PDF) of all documents: banks and Kaspi Pay often request the registration slip and address documents during onboarding.

Tax and Legal Considerations (Taxes and legal points for an IP seller)

Choose your tax regime according to your expected turnover and sales model:

• Simplified regime — simpler reporting for many marketplace sellers with moderate annual turnover.
• Patent — available for certain activities and regions; evaluate cost-effectiveness.
• General regime — required if you have complex VAT/B2B obligations or higher turnover.

If you issue electronic invoices (ESF) or work B2B, complete ESF registration at esf.gov.kz as soon as possible after opening your settlement account to avoid interruptions when issuing documents to business customers.

Post-Registration Steps (Actions after IP registration)

1. Save and print the registration slip. Keep both electronic and printed copies.
2. Open a settlement account in a bank and provide the registration slip and address documents.
3. Connect Kaspi Pay and set up payment acceptance for your Kaspi.kz store.
4. Register in ESF (if applicable) and configure your invoicing workflow.
5. Prepare invoices and accounting templates according to your chosen tax regime.

Changing IP registration data — what and how to change

To change registration details (address, activity codes, contact info) use the eGov service “change IP registration data”. Fill the form, sign with ECP and attach supporting documents (lease agreement, owner consent). Processing time is usually 1–10 business days. Keep records of any changes for banks and marketplaces.

Seller checklist: before, during and after registration

• Before: choose OKED codes, prepare address documents, get ECP.
• During: submit on eGov, save registration slip, verify details immediately after receipt.
• After: open account, connect Kaspi Pay, register with ESF, upload documents to Kaspi.kz seller profile.

Practical mistakes and how to avoid them

• Wrong OKED codes — confirm the correct codes for your goods; consult with accountant or AWW guides.
• Using an unverified virtual address without documents — keep the contract and contact details to pass bank checks.
• Forgetting to register in ESF — register early if you plan to issue electronic invoices or trade B2B.
• Not saving the registration slip — banks and Kaspi Pay often require it during onboarding.

How AWW helps a seller after registration

AWW provides practical guides, onboarding checklists and consultation on setting up stores on Kaspi.kz, connecting Kaspi Pay, optimizing product listings and complying with tax/reporting requirements. See our step-by-step guides and case studies in the AWW journal and guide sections for templates and examples.

Short case: home appliance seller — from registration to first sales

Example timeline: Day 0 — prepare documents and OKEDs; Day 1 — submit on eGov with ECP; Day 2–3 — receive registration slip and open bank account; Day 3–5 — connect Kaspi Pay, register in ESF; Day 6–10 — list products on Kaspi.kz and start receiving orders. Typical pitfalls in this niche are missing certificates for certain appliances and incorrect category mapping on Kaspi.kz — prepare product documentation in advance.

Useful links and further reading

• AWW journal — practical articles and case studies.
• AWW guides — step-by-step manuals for sellers.
• esf.gov.kz — ESF registration.
• eGov portal — IP registration service.

Conclusion — practical recommendations

Register your IP online with an ECP to speed up the process, keep all registration and address documents handy for banks and Kaspi, and register in ESF promptly if you will work with B2B or issue electronic invoices. Follow the checklist and consult AWW guides for Kaspi.kz-specific onboarding steps.

Downloadable checklist (short)

• ID document
• Registration address proof
• Chosen OKED codes
• ECP (or plan to visit MFC)
• Registration slip (save PDF and print)
• Bank account + Kaspi Pay connection
• ESF registration (if applicable)