To start selling on Kaspi, you need to become a Kaspi Pay partner and accept payments through it for at least 20 days in the last 2 months; no documents are required to connect to the Kaspi.kz Store, and the company head submits the application in the Kaspi Pay app. The riskiest period starts after that: the first three months, when you have few orders and every cancellation weighs disproportionately in your quality metrics. Let's break down how to get connected without waiting an extra month, what changed for newcomers in 2026, and how much money you need before the first payout.
In short
- You can connect only with a sales history through Kaspi Pay: 20 days within 2 months. Sales to yourself and employees do not count. If you are rejected, the next application is only after a month.
- Sellers connected after June 15, 2026, cannot enable pickup. The choice is Kaspi Delivery, your own delivery, or Express.
- On the first 30–50 orders, quality metrics are fragile: with 30 orders, one cancellation caused by you is already above the allowed 3%.
- Money comes only after the «Выдан» ("Delivered") status. You finance the purchase batch, packaging, and the first weeks of advertising yourself, and you need to budget for that in advance.
- The "New seller" status lasts 3 months. During this time it is realistic to reach the "Excellent seller" requirements if you do not chase too many product cards.
What you need to connect to the Kaspi.kz Store
Kaspi's conditions
Kaspi states the conditions briefly (Kaspi Guide, q1350; q2253):
- Be a Kaspi Pay partner — download the app and register.
- Accept payments to the Kaspi Pay account for at least 20 days during the last 2 months.
- Sell goods. Services are placed in another service, "Объявления" ("Listings").
No documents are needed for connection (q1351, updated Dec 18, 2025). Only the company head can submit the application: on the Kaspi Pay home screen, open «Магазин на Kaspi.kz» ("Store on Kaspi.kz"), then «Начать продавать» ("Start selling"). The activity category in Kaspi Pay does not affect the decision, and you can sell goods from any Store category, not only the one shown in Kaspi Pay (q2718). Non-residents can connect too; the conditions are the same (q2907).
Which sales count toward the 20 days
Payments made with Kaspi Gold, Kaspi Red+ and Kredit via Kaspi QR, from the Kaspi Pay account, by cards, remote payments, and payments by cards of other banks through Smart POS count (q3288). Sales to yourself and your employees do not count, and customer returns are subtracted from the counter. The app shows how many days have already been collected on the home page.
In practice, this means connection starts not with the Store, but with ordinary sales: a market stall, a showroom, Instagram sales with payment by Kaspi QR. If you do not yet have a single payment through Kaspi Pay, the nearest application date is at least 20 days after the first sale, and only if you sell every day.
If you are rejected
Kaspi gives two reasons for rejection in its answer: you have not collected 20 sales days, or you violated Kaspi Pay rules. There is also a third one, without explanation: internal rules under which decisions are made individually (q1353). The next attempt is possible only after a month (q3289). So the simple rule is: do not press the button on the twentieth day; wait until the counter shows 22–25.
Brands, categories, and prohibitions
Some brands and categories are restricted: they require permission, and the form is available in the Kaspi Guide (q1337). Fully prohibited items include, among others, used goods, fakes and replicas, 18+ goods, weapons and similar items, smoking products, and digital goods (q3904). Check your assortment against the list before purchasing stock — a seller who first brings in a batch and only then learns that the brand is restricted can have money tied up for a long time.
What changed for new sellers in 2026
Four things are missing from old instructions.
Pickup is no longer available for new sellers. Only sellers connected before June 15, 2026, can add a warehouse for pickup (q2239, updated Jun 16, 2026). If you connect now, orders can be handed over through Kaspi Delivery (to an acceptance point, within the city and across Kazakhstan, to a Kaspi Postomat), your own delivery, or Express, where a courier picks up the order from you and delivers it to the customer within 3 hours from the moment of purchase (q2912). Customers simply will not see a product without a configured delivery method (q3502).
The fee is shown excluding VAT. Since January 5, 2026, tax is charged on top. For most categories this is 10.9% excluding VAT and 12.5% including VAT according to Kaspi's table; if you are on the simplified declaration regime and not registered for VAT, calculate using the VAT-inclusive column. Details are in the article about the Kaspi fee.
New Kaspi Delivery rates. They have applied since January 1, 2026; the most common case is 1,099 ₸ excluding VAT for an order from 10,000 ₸ and up to 5 kg within the city. The breakdown of tiers and thresholds is in the article about Kaspi Delivery for sellers.
The National Product Catalog. Since January 1, 2026, sellers must register products in the NKT, the National Product Catalog, and sell them with a barcode, and the Kaspi.kz Store is integrated with the catalog (q4556, q4575). At the same time, inside the Store itself you can sell both a product that is not in the NKT and a product without a barcode (q4573, q4574). There is no contradiction here: Kaspi will not stop you, but the legal requirement does not disappear. Ask your accountant how it applies to your tax regime and products.
And an old rule that people remember too late: a fiscal receipt for every purchase in the Store. This is a requirement of the Tax Code; the receipt shows only the product cost, the payment method is card payment, and the receipt must be issued after the «Выдан» ("Delivered") status (q1751).
Timeline: from zero to the first order
| Stage | What happens | Minimum term under Kaspi rules |
|---|---|---|
| Registration in Kaspi Pay | App, first sales | on the registration day |
| Building sales history | 20 payment days in the last 2 months | 20 days with daily sales |
| Application to the Store | Submitted by the company head in Kaspi Pay | after 20 days |
| Rejection (if it happens) | Repeat application | after 1 month |
| Moderation of new product cards | Checking attributes, description, photos | up to 3 business days |
| First deliveries | Within the city, 1 day on average; within the region, two to three days; to district centers, 5–6 days | after the first order |
Kaspi describes moderation like this: new product cards and cards where the photo, attributes or description have been changed are checked within 3 business days; if they do not pass, they go to the «Требуют доработок» ("Needs revision") tab with highlighted fields (q2230). Delivery times are from the answer about Kaspi Delivery (q2291).
Add the minimum terms, and you get about a month from registering in Kaspi Pay to the first order. That assumes you sell every day and not a single card comes back with red fields. Budget for one and a half to two months.
The first 90 days: why small numbers are dangerous
The thresholds you are measured against
Kaspi requires sellers to have a rating of 4 stars or higher, cancellations caused by the seller below 3%, delays in handover to Kaspi Delivery under 10%, and quality-related returns below 2% (q2920, updated Oct 13, 2026). These are fractions, and at the start their denominator is tiny. One mistake on 20 orders is 5%.
Below is how many mistakes are allowed at different order counts so that the share stays strictly below the threshold. This is arithmetic, not Kaspi data: Kaspi does not publish the window over which every metric is calculated.
| Orders in the period | Cancellations caused by you (< 3%) | Handover delays (< 10%) | Quality-related returns (< 2%) |
|---|---|---|---|
| 10 | 0 | 0 | 0 |
| 20 | 0 | 1 | 0 |
| 34 | 1 | 3 | 0 |
| 50 | 1 | 4 | 0 |
| 100 | 2 | 9 | 1 |
The conclusion is unpleasant but useful. While you have fewer than 34 orders in the period, one cancellation caused by you takes the metric over the threshold. While you have fewer than 51, the same is true for one quality-related return. How to recover if the metric has already fallen is covered in the article if your Kaspi store has been blocked.
What follows from this
In the first weeks it is better to work with a small assortment that is physically on your shelf. The customer cannot order more than the stock quantity shown, and cancellations due to exceeding stock do not affect the metrics (q3745) — but if the seller cabinet says 10 units while there are 7 on the shelf, you will have to cancel the eighth order yourself. Set order acceptance times and handover days at the acceptance point to what you can handle even on the day when the only employee gets sick.
"New seller" and "Excellent seller" statuses
The "New seller" status lasts 3 months from the start of work (q4038). After that, with good metrics and enough sales, you can receive "Excellent seller" status. Its requirements are stricter than the base ones and must be maintained for a week (q4035):
| Metric | Kaspi minimum requirement | For "Excellent seller" |
|---|---|---|
| Delivered orders | — | 25 in the last 30 days |
| Rating | 4 stars and above | above 4.6 |
| Cancellations caused by you | below 3% | below 1% |
| Handover delays | under 10% | under 5% |
| Quality-related returns | below 2% | below 1% |
With 25 orders in 30 days, "below 1%" means zero cancellations and zero quality-related returns, and no more than one delay. That is the working benchmark for the first three months.
Starting economics: how much money you need before the first payout
Why you need money in advance
Kaspi credits payment for an order to the Kaspi Pay account only after the product is delivered, less the fee (q1346). While the order is on the way — to a region, that can be up to 5–6 days — you have not received the money for it, but the goods have already been paid for. The starting budget is calculated as the sum of everything you pay before turnover starts feeding itself.
Example calculation
A hypothetical example, not a client case; all amounts are assumptions, substitute your own.
| Item | Calculation | Amount |
|---|---|---|
| First batch | 10 SKUs, purchase with delivery to warehouse | 600,000 ₸ |
| Packaging and seals for the first 100 orders | 150 ₸ × 100 | 15,000 ₸ |
| Advertising in Kaspi Marketing for the first month | assumption | 50,000 ₸ |
| Accountant and other fixed costs | 45,000 ₸ per month × 2 months | 90,000 ₸ |
| Reserve for returns and payout delays | 10% of the batch | 60,000 ₸ |
| Total until self-sufficiency | 815,000 ₸ |
Separately calculate how many orders per month you need just to cover fixed costs:
Orders per month for break-even = Fixed costs ÷ Net profit per order
With 45,000 ₸ in fixed costs and 1,500 ₸ net per order, that is 30 orders per month. Profit per order is not markup; it is what remains after purchase cost, fee, delivery, tax and advertising. How to calculate it is covered in detail in the article how not to sell at a loss, and the minimum price is covered in the article about dumping on Kaspi.
Tax
Under the simplified declaration regime, from 2026 the base rate is 4% of income, and maslikhats (local councils) may reduce it; for 2026 it is 3% in Astana and Almaty, and 2% in Shymkent (BES.media, Dec 1, 2025). The tax is levied on income, not profit, so as a percentage of price it sits next to the fee. Check your rate in your maslikhat's decision.
Where to start with assortment
Your first product cards are not the place for niche experiments. The ideal starter product: you know its purchase cost down to the tenge, it is on your warehouse shelf, it weighs less than five kilograms in packaging, and the card does not have a seller who consistently sits below your break-even point. How to choose a niche and estimate demand by reviews is covered in the articles what to sell on Kaspi and niche analytics.
On day one you have zero reviews and no rating. Of the five factors Kaspi uses to explain seller order in a product card — bonuses (Kaspi cashback points), price, rating, reviews, delivery speed — you can work with price, bonuses and speed; the breakdown is in the article how to get to the top of a product card. Kaspi Marketing helps you appear to the customer before reviews show up. Just calculate the cost-per-click bid from profit per order, not from "what you don't mind spending": the formula is in the article about cost-per-click bids.
When it is better not to start, or to wait
Wait if you do not have money for the batch and two months of fixed costs without revenue. Do not enter with a product where you do not know the full cost, or with a brand from the restricted list without permission. Be especially careful with "made-to-order" assortment: Kaspi allows preorders up to 30 calendar days, but if you do not mark «Прибыл» ("Arrived") by the planned date, the order is canceled automatically (q3346, q3349). With a small number of orders, such cancellations are especially expensive.
Common mistakes
- Applying exactly on the 20th day. One day does not count — rejection and a month of waiting. A few days of buffer are cheaper.
- Sales "to yourself" for the counter. Kaspi explicitly excludes them from the calculation, so the counter does not grow from them, and time is lost.
- One hundred product cards in the first week. Nobody controls stock across them, and the first cancellation because the item is missing, with 20 orders, is 5% instead of the allowed 3%.
- Using the fee excluding VAT in the calculation. On the simplified regime without VAT, you pay 12.5%, not 10.9%. On a 10,000 ₸ product, that is 160 ₸ from every order.
- Betting on pickup. It is not available for sellers connected after June 15, 2026, and a logistics plan built around it has to be rebuilt with orders already on hand.
- No fiscal receipt. The Tax Code requirement does not depend on the fact that the sale went through Kaspi.
- "Money will appear from the first orders." It will not appear until the orders are delivered, and to regions that can be up to a week.
Checklist before the first order
- The Kaspi Pay counter shows more than 20 sales days in 2 months, without sales to yourself and employees.
- The application is submitted by the company head.
- The entire assortment has been checked against the list of prohibited goods and restricted brands and categories.
- A delivery method has been chosen, and it works without pickup.
- There is a fiscal receipt, and it is clear who issues it and when.
- For every SKU, the minimum price and net profit per order have been calculated, with the fee taken from the VAT-inclusive column.
- Stock in the seller cabinet matches the shelf.
And three things are easier to say out loud than to tick off. Money for two months of fixed costs is set aside separately from the purchase batch, because payouts come only after delivery. Order acceptance times and handover days at the acceptance point are chosen for the worst day of the week, not the best one. And the goal for the first three months is formulated as zero cancellations caused by you — with a small number of orders, that is the only safe level.
How to automate it
You calculate the minimum price for each SKU yourself, before the first sale. When there are more product cards than you can check by hand, a dumping bot can hold the price. The SaleScout Kaspi bot checks prices every 20 seconds, puts you at the top of the product card, does not go below your minimum price, and raises the price when a competitor goes up or leaves; Halyk Market is supported too. SaleScout niche analytics helps choose products. You can try the bot free for 7 days, no card required.
FAQ
What do I need to start selling on Kaspi?
You need to be a Kaspi Pay partner and accept payments through it for at least 20 days in the last 2 months, and you need to sell goods, not services. No documents are needed to connect to the Kaspi.kz Store. The company head submits the application in the Kaspi Pay app: «Магазин на Kaspi.kz» ("Store on Kaspi.kz") → «Начать продавать» ("Start selling").
Which sales count for connecting to the Kaspi.kz Store?
Payments with Kaspi Gold, Kaspi Red+ and Kredit via Kaspi QR, from the Kaspi Pay account, by cards and remotely, as well as cards of other banks through Smart POS. Sales to yourself and employees do not count, and returns do not count either. The collected days are visible on the Kaspi Pay home page.
What should I do if Kaspi rejects my connection application?
Wait a month: you can apply again 1 month after the rejection. Most often the reason is that you have fewer than 20 sales days through Kaspi Pay in 2 months, or a violation of Kaspi Pay rules. It is sensible to submit the second application with a buffer of several sales days.
Can a new seller on Kaspi offer pickup?
No, if you connected to the Kaspi.kz Store after June 15, 2026. New sellers can use Kaspi Delivery, including Kaspi Postomat, their own delivery, and Express. Until a delivery method is selected, customers do not see your products.
How long does the "New seller" status last on Kaspi?
Three months from the start of work. During this time you need to maintain quality metrics: rating from 4 stars, cancellations caused by you below 3%, handover delays under 10%, and quality-related returns below 2%. Later, with excellent metrics and 25 delivered orders in 30 days, you can receive "Excellent seller" status.
How much money do I need to start selling on Kaspi?
It depends on the product, but you need to count everything you pay before the first payouts: the batch, packaging, advertising and two months of fixed costs. In the hypothetical example with a 600,000 ₸ batch, the total was 815,000 ₸. Kaspi credits money only after the order is delivered, so for regions turnover returns with a delay of up to a week.
Do I need a fiscal receipt when selling on Kaspi?
Yes. According to the Kaspi Guide answer, this is a requirement of the Tax Code of the Republic of Kazakhstan: the receipt is issued for every purchase in the Store after the «Выдан» ("Delivered") status, showing only the product cost and the payment method "card payment". The receipt can be paper, a photo, or electronic.
Sources
All links checked Oct 16, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for partners. «Как стать партнёром Магазина на Kaspi.kz?» ("How do I become a partner of the Store on Kaspi.kz?") — https://guide.kaspi.kz/partner/ru/shop/conditions/q1350 (updated May 27, 2025)
- Kaspi Guide. «Как подключиться к Магазину на Kaspi.kz?» ("How do I connect to the Store on Kaspi.kz?") — https://guide.kaspi.kz/partner/ru/shop/connection/q2253 (updated Apr 14, 2025); «Какие документы нужны для подключения?» ("What documents are needed for connection?") — https://guide.kaspi.kz/partner/ru/shop/connection/q1351 (updated Dec 18, 2025)
- Kaspi Guide. «Какие продажи учитываются при подключении?» ("Which sales are counted for connection?") — https://guide.kaspi.kz/partner/ru/shop/connection/q3288 (updated Apr 14, 2025)
- Kaspi Guide. «Почему мне отказали в подключении?» ("Why was I rejected for connection?") — https://guide.kaspi.kz/partner/ru/shop/connection/q1353 (updated Apr 14, 2025); «Когда можно повторно подать заявку?» ("When can I apply again?") — https://guide.kaspi.kz/partner/ru/shop/connection/q3289 (updated Apr 23, 2024)
- Kaspi Guide. «Я нерезидент РК. Я могу подключиться?» ("I am not a resident of Kazakhstan. Can I connect?") — https://guide.kaspi.kz/partner/ru/shop/connection/q2907 (updated Dec 19, 2025)
- Kaspi Guide. «Мои товары должны соответствовать категории в Kaspi Pay?» ("Do my products have to match the category in Kaspi Pay?") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q2718 (updated Jan 6, 2026)
- Kaspi Guide. «Какие товары можно продавать?» ("Which goods can be sold?") — https://guide.kaspi.kz/partner/ru/shop/conditions/q1337 (updated Jan 6, 2026); «Какие товары нельзя продавать?» ("Which goods cannot be sold?") — https://guide.kaspi.kz/partner/ru/shop/conditions/q3904 (updated Jan 16, 2026)
- Kaspi Guide. «Как добавить склад, на котором покупатели могут забрать заказ?» ("How do I add a warehouse where customers can pick up an order?") — https://guide.kaspi.kz/partner/ru/shop/sale_points/q2239 (updated Jun 16, 2026); «Какие есть способы выдачи заказов?» ("What order handover methods are available?") — https://guide.kaspi.kz/partner/ru/shop/orders/q2912 (updated Jun 15, 2026)
- Kaspi Guide. «Товар выставлен на продажу, но не отображается покупателям» ("The product is listed for sale but is not shown to customers") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q3502 (updated Jun 15, 2026); «Товары во вкладке „На проверке“» ("Products in the 'Under review' tab") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q2230 (updated Apr 22, 2026)
- Kaspi Guide. «Что такое НКТ?» ("What is the NKT?") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q4556 (updated Jan 1, 2026); «Магазин интегрирован с НКТ?» ("Is the Store integrated with the NKT?") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q4575 (updated Jun 11, 2026); «Моего товара нет в НКТ…» ("My product is not in the NKT…") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q4573 (updated Jan 5, 2026); «У товара нет штрихкода…» ("The product has no barcode…") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q4574 (updated Dec 31, 2025)
- Kaspi Guide. «Я должен давать клиенту фискальный чек?» ("Do I have to give the customer a fiscal receipt?") — https://guide.kaspi.kz/partner/ru/shop/returns/q1751 (updated Mar 13, 2025); «Когда я получу деньги за продажи?» ("When will I receive money for sales?") — https://guide.kaspi.kz/partner/ru/shop/returns/q1346 (updated Mar 27, 2026)
- Kaspi Guide. «Почему меня отключили от Магазина?» ("Why was I disconnected from the Store?") — https://guide.kaspi.kz/partner/ru/shop/conditions/q2920 (updated Oct 13, 2026)
- Kaspi Guide. «Сколько действует статус „Новый продавец“?» ("How long does 'New seller' status last?") — https://guide.kaspi.kz/partner/ru/shop/quality_index/general/q4038 (updated Feb 2, 2026); «Как получить статус „Отличный продавец“?» ("How do I get 'Excellent seller' status?") — https://guide.kaspi.kz/partner/ru/shop/quality_index/general/q4035 (updated Feb 2, 2026)
- Kaspi Guide. «Покупатель сможет заказать больше, чем есть в наличии?» ("Can a customer order more than is in stock?") — https://guide.kaspi.kz/partner/ru/shop/orders/q3745 (updated Dec 27, 2024); «Что такое предзаказ?» ("What is a preorder?") — https://guide.kaspi.kz/partner/ru/shop/goods/general/q3346 (updated Aug 13, 2026); «Как обработать предзаказ?» ("How do I process a preorder?") — https://guide.kaspi.kz/partner/ru/shop/orders/q3349 (updated Jun 16, 2026)
- Kaspi Guide. «Какие сроки у Kaspi Доставки?» ("What are Kaspi Delivery timelines?") — https://guide.kaspi.kz/partner/ru/shop/delivery/shipping/q2291 (updated Jul 31, 2024)
- BES.media. «В регионах Казахстана снизили налог по „упрощёнке“ на 2026 год» ("Kazakhstan's regions cut the simplified-regime tax for 2026"), Dec 1, 2025 — https://bes.media/news/v-regionah-kazahstana-snizili-nalog-po-uproshyonke-na-2026-god/
Bota, SaleScout analyst
This article is for information only and does not replace calculations by your accountant. SaleScout is our company's product. Kaspi and Kaspi.kz are trademarks of Kaspi.kz JSC; SaleScout is not affiliated with Kaspi.
