In short: how an individual entrepreneur (ИП) can open an account, issue invoices and accept payments via Kaspi Pay.
- An account for an individual entrepreneur is opened in the Kaspi.kz app: “Бизнес” → “Открыть счет ИП”; upload your registration certificate — the account is activated within one business day.
- To issue an invoice, go to “Бизнес” → “Выставить счет”, enter the amount and send it to the client by SMS, WhatsApp or e‑mail; after payment the funds are credited instantly and a receipt is generated automatically.
- You can accept payments by QR code, phone number, link or via Kaspi-терминал — all payments are recorded in the entrepreneur’s dashboard.
- The Kaspi-терминал does not store cash: proceeds are credited directly to the settlement account; transfer and withdrawal fees range from 0% to 1.5% depending on the tariff plan.
- Taxes for individual entrepreneurs can be paid directly in the app: “Платежи” → “Налоги и сборы”; the electronic receipt is an official confirmation of payment.
In today’s business environment in Kazakhstan, electronic payments are not just a convenience but a necessity. Kaspi Pay offers entrepreneurs a comprehensive solution for managing cash flows. The service combines payment acceptance, invoice issuance, tax management and integration with point‑of‑sale devices.
The main features of Kaspi Pay make it an essential tool for individual entrepreneurs and small businesses. With it, merchants can accept payments from customers in multiple ways, issue invoices remotely, get detailed transaction statistics and simplify tax accounting. It is particularly valuable that all operations happen within one ecosystem, which reduces the risk of errors and saves time.
How to open an account for an individual entrepreneur in Kaspi
Opening an account in Kaspi for individual entrepreneurs is a fast process that doesn’t require visiting a bank branch. To start using the service, follow a few simple steps.
First, the entrepreneur must be registered as an individual entrepreneur with an active BIN (business identification number). Then install the Kaspi.kz mobile app and complete the registration by entering personal details.
To open an account, do the following:
- Log in to the Kaspi.kz app with your username and password
- Go to the “Бизнес” section
- Select the “Открыть счет ИП” option
- Upload a scanned copy of your registration certificate for the ИП
- Fill in the form indicating your business activity
- Accept the terms and submit the application
After submission, the system verifies the documents. In most cases verification is completed automatically and the account is activated within one business day. If additional checks are needed, Kaspi’s support team will contact you with instructions.
Once the account is active, you will see the settlement account in the “Бизнес” dashboard. From there you can set up receiving payments, link Kaspi-терминал devices, view transaction history and configure accounting integration.
If you have questions during account opening, use the in‑app help or contact Kaspi support — they can guide you through document upload and answer tariff questions.
the terms of service and confirm opening the accountAfter successful verification of your data the account will be activated within one business day. A notification will be sent to the specified phone number when the account is ready to use.
Issuing invoices and accepting payments via Kaspi Pay
One of the main advantages of Kaspi Pay is the ability to issue invoices to customers and accept payments in various ways. The system allows creating both one-time invoices and recurring payments.
How to issue an invoice in Kaspi Pay
The invoice-issuing process is intuitive and takes minimal time:
- In the Kaspi.kz app go to the «Business» section
- Select the «Issue invoice» option
- Enter the amount to be paid
- If necessary, add a description of the product or service
- Choose how to send the invoice to the customer (SMS, WhatsApp, email)
- Click «Send invoice»
The customer will receive a notification with a payment link. After the payment is completed, the funds are credited instantly to the entrepreneur's account, and the system automatically generates a receipt.
How to accept payments via Kaspi Pay
Several options are available for accepting payments:
- QR code — the customer scans the code via the Kaspi app and confirms the payment
- By phone number — the customer enters the entrepreneur's phone number in the app and sends the payment
- By link — the entrepreneur sends a payment link via messenger or email
- Via terminal — for offline locations it is possible to use a payment terminal
The convenience of the system is that all payments are recorded in the entrepreneur's personal account, which simplifies bookkeeping and reporting.
Remote payments via Kaspi: features and advantages
The remote payment feature is especially relevant for businesses that deliver goods or provide services remotely. It allows accepting payments without the customer's physical presence.
How to send a remote payment via Kaspi
To use this feature the entrepreneur should:
- In the «Business» section select the «Remote payment» option
- Enter the payment amount and add a comment
- Select the customer's contact from the phonebook or enter the number manually
- Click «Send payment request»
The customer will receive a notification with a payment request and can make the payment at a convenient time. The system allows tracking the status of requests and payment history.
The advantages of remote payments are clear: increased transaction security, reduced payment processing time, convenience for customers, and the ability to work with clients from any region of Kazakhstan.
Working with the Kaspi terminal: ordering and use
For entrepreneurs operating offline, Kaspi offers modern payment terminals. These devices allow accepting payments by bank cards and via QR codes.
How to order a Kaspi terminal
The process of obtaining a terminal consists of several steps:
- In the Kaspi.kz app, in the «Business» section, choose «Order terminal»
- Fill out the application, indicating the delivery address and contact details
- Accept the terms of the service agreement
- Pay for the terminal (if applicable) or confirm the rental terms
After the application is processed a specialist will contact the entrepreneur to clarify details and arrange delivery of the terminal. Typically the process takes from 1 to 3 business days.
How to receive and set up the Kaspi terminal
Receiving the terminal is possible in two ways:
- Delivery by courier to the specified address
- Pickup from the nearest Kaspi Bank branch
When receiving the terminal the entrepreneur must present an identity document and sign the equipment acceptance act. Setting up the device is simple and does not require special technical skills. The terminal comes with preinstalled software and is ready to use immediately after being turned on.
Managing funds via the Kaspi terminal
Effective cash management is an important part of working with the Kaspi terminal. The system offers convenient tools for controlling cash flows.
How to withdraw money from the Kaspi terminal
Unlike traditional POS terminals, the Kaspi terminal does not physically store cash. All payments accepted through the terminal are automatically credited to the entrepreneur's settlement account. To withdraw money you can:
- Transfer funds from the business account to a personal Kaspi Gold card Kaspi Gold
- Withdraw cash at any Kaspi ATM
- Transfer money to an account in another bank
- Use the funds to pay for goods and services via the Kaspi.kz app
The fee for transfers and withdrawals depends on the entrepreneur's tariff plan and may range from 0% to 1.5%.
Payment of individual entrepreneur (IE) taxes via Kaspi
One of the advantages of Kaspi Pay is the ability to pay taxes and mandatory payments directly from the app. This significantly simplifies accounting and helps avoid late payments.
How to pay IE taxes via Kaspi
To pay taxes, follow these steps:
- In the Kaspi.kz app go to the «Payments» section
- Select the category «Taxes and fees»
- Choose the type of tax (individual income tax, social tax, contributions to OSMS, etc.)
- Enter IIN or BIN
- Specify the payment period and amount
- Confirm the payment
After the operation is completed successfully the system will issue an electronic receipt, which can be saved or sent to an email address. This receipt serves as official proof of payment.
The advantages of paying taxes via Kaspi include time savings, no need to visit a bank or tax authorities, and a full payment history that can be used when preparing reports.
Top up AliPay with Kaspi
For entrepreneurs working with Chinese suppliers, topping up an AliPay account is an important task. Kaspi offers a convenient way to transfer funds.
How to top up AliPay from Kaspi
To transfer money to an AliPay account you need to:
- In the Kaspi.kz app select the «Transfers» section
- Tap the «International transfers» option
- Choose AliPay from the list of available services
- Enter the recipient's identifier in the AliPay system
- Enter the transfer amount
- Confirm the operation
Funds will be credited to the recipient's account within 24 hours. The transfer fee is from 1% to 2% of the amount, but may change depending on current service conditions.
Recommendations for financial automation
Proper use of Kaspi Pay helps entrepreneurs automate financial processes and focus on business development. For the most effective use of the service it is recommended to:
- Regularly monitor payment analytics in the personal account to analyze sales dynamics
- Set up automatic invoicing for regular customers
- Use integration with accounting systems to synchronize data
- Pay taxes on time using the reminders feature
- Store electronic receipts and invoices in an organized manner
Kaspi Pay becomes not just a payment tool but a full financial ecosystem for entrepreneurs in Kazakhstan. Properly configured processes can significantly reduce time spent on routine operations and increase transparency of financial flows.
Using all the service's features will help take the business to a new level of efficiency and ensure steady growth in a competitive environment.
Часто задаваемые вопросы
- What documents should I upload in the Kaspi.kz app to open an account for an individual entrepreneur, and how long does verification usually take?
- To open an account, upload a scan of the individual entrepreneur registration certificate (or an extract with the BIN) and the owner’s ID. In most cases verification is completed automatically in the app within minutes or a few hours; in rare cases it may take up to 3 business days.
- How do I issue an invoice to a client via Kaspi Pay and how can the client pay it remotely?
- Issue an invoice in the “Бизнес” section of the app: enter the amount, payment purpose and the client’s contact details, then send a link, SMS or QR code. The client can pay by bank card, Kaspi Wallet, QR code or internet banking, depending on the available methods.
- What fees apply when accepting payments via Kaspi Pay and how can I reduce costs?
- Fees depend on the chosen tariff (online payments, terminals, acquiring) and turnover, so exact rates are stated in your agreement with Kaspi. To reduce costs, choose the appropriate tariff plan, centralize payment processing and negotiate individual terms as your turnover grows.
- Do I need a cash register to accept remote payments via Kaspi, and how do I keep documents for tax accounting?
- A cash register is not required for remote payments: it’s enough to issue electronic invoices and save the transaction confirmations from Kaspi Pay. For tax records, keep electronic receipts, bank statements and generated invoices, and if needed integrate the data with your accounting software.
- How do I order a Kaspi-терминал for offline sales and what functions does it perform for an individual entrepreneur?
- You can order a terminal through the app or via a manager, specifying the delivery address and required options; installation is usually handled by courier or support. The terminal accepts bank cards and Kaspi Wallet, prints receipts and automatically synchronizes transactions with the Kaspi Pay account for easy reconciliation.
