Kaspi Жұма (Kaspi Zhuma) is Kaspi.kz's installment sale. It runs three times a year, in February, June and November, and lasts four days. The next one takes place on November 5–8, 2026. Kaspi.kz Store sellers take part automatically if they keep their quality metrics up and do not break the rules. If not, products over 100,000 ₸ cannot be sold during the promotion.
In short
- November 5–8, 2026, Thursday to Sunday. There are 17 days left before the start: not much time to change metrics or purchasing.
- For the Store, participation is automatic but subject to admission: a rating of 4 stars or more, cancellations under 3%, delays under 10%, quality returns under 2% and more positive reviews than negative ones.
- If you are not admitted, products up to 100,000 ₸ stay on sale, more expensive ones do not. If you had no payments in the Store from June 7 to September 7, 2026, your entire range is removed for the duration of the promotion.
- You may not raise prices before or during the promotion; the exception is a higher purchase cost backed by documents.
- The main risk for a seller is not the price but the weekend: half of the promotion falls on Saturday and Sunday, and orders pile up until Monday.
What Kaspi Zhuma is and how it differs from a regular promotion
The mechanics for the buyer and for you
Kaspi calls Zhuma a "nationwide celebration of good-value installment shopping". During the promotion, partners sell goods and services in installments for 6, 12 or 24 months, and the terms apply in the Kaspi.kz Store, on Kaspi Travel and at partners when paying via Kaspi QR (q2176, updated Oct 9, 2026). Buyers learn about the promotion from a banner on the app's home screen, a badge in product cards, ads on TV, radio and billboards, and a push notification at the start (q2181).
For a Store seller there is an important difference from Kaspi Pay offline partners. They have to confirm participation themselves in Kaspi Pay, under «Маркетинг → Акции с Kaspi QR» ("Marketing → Kaspi QR promotions"). In the Store and on Kaspi Travel, Zhuma applies automatically (q2188). There is no "join" button for your product card, only admission.
How installments work in Store promotions, what the commission costs during 0-0-24 periods and whether taking part pays off, we calculated in detail in the article on 0-0-24 installments for sellers. Here we cover what concerns Zhuma specifically.
Dates and calendar
The promotion takes place three times a year: in February, June and November (q3342). It lasts four days, and the November 2026 Zhuma runs from November 5 to 8 (q3761, q2177). Kaspi announces the exact dates of the February and June events closer to the time, so keep an eye on Kaspi.kz's official pages.
| Date | Day | What matters for a seller |
|---|---|---|
| Oct 19–Nov 4 | 17 days before the start | purchasing, stock, quality metrics, price decision |
| Nov 5 | Thursday | first day of the promotion, normal handover schedule |
| Nov 6 | Friday | last weekday of the promotion |
| Nov 7 | Saturday | if the warehouse is closed, orders pile up |
| Nov 8 | Sunday | last day of the promotion, orders wait for Monday |
| Nov 9 | Monday | handover of the accumulated orders, risk of delays |
Who is admitted to Kaspi Zhuma
Five conditions for a Store seller
Kaspi lists the requirements for Store partners in a separate block (q4311, q2184):
| Metric | Requirement for Zhuma | Where to check |
|---|---|---|
| Seller rating | 4 stars or higher | quality metrics in the cabinet |
| Cancellations through your fault | under 3% | quality metrics |
| Delays in handover to Kaspi Delivery | under 10% | quality metrics |
| Quality returns | under 2% | quality metrics |
| Product reviews | more positive than negative | reviews in the cabinet |
The first four rows match the minimum requirements for any Store seller. The fifth is specific to Zhuma. It is not about the store rating but about product reviews, and Kaspi separately mentions "many negative reviews" among the reasons a partner cannot join (q2821). The Guide does not say exactly how many counts as "many".
On top of this comes the general rule: do not break the rules for working with Kaspi Pay and the Store. Among the prohibitions, Kaspi explicitly names refusing a buyer a purchase, inflating the price and handing out money instead of goods (q2440, updated Oct 12, 2026). Under the contract, the Store has the right to restrict participation, and the decision is influenced by the length of the partnership and any violations (q2827).
If a metric is already close to the limit, you have two weeks. How the cancellation share is calculated and how many cancellations a store can absorb at different order volumes is covered in the article on order cancellations on Kaspi.
What happens if you are not admitted
This is the most underrated point. Sellers who were not admitted get a message in Kaspi Pay. During the promotion their products costing up to 100,000 ₸ stay on sale, while more expensive products can be sold only by Zhuma participants (q2440, q2827).
There is a harsher option too. If a partner did not accept payments in the Kaspi.kz Store from June 7 to September 7, 2026, all of their products are removed from sale for the duration of the promotion. For a store that was paused over the summer, that means four days with no sales at all.
Note the mismatch in dates. For Kaspi Pay partners, the Guide counts sales with Kaspi Kredit from July 7 to September 7, 2026 (q2184), while the rule on removing Store products refers to payments from June 7 to September 7. These are different conditions for different channels, and the second date is the one that matters for a Store seller.
Prices and installments during Zhuma
The ban on price increases
In the run-up to and during Kaspi Zhuma, unjustified price increases are prohibited. The exception is a rise in the product's purchase cost, and Kaspi has the right to request supporting documents. Violators may be removed from Zhuma and barred from future promotions (q2182, updated Oct 9, 2026).
The Guide does not say how many days Kaspi considers the "run-up". The safe logic is this: set the price you want to have on November 5–8 now, and do not move it up without a new invoice from the supplier. If the purchase cost really went up, keep the documents before the promotion starts, not after a request.
If a bot changes the price in your card, check its settings before November 5. The ban does not affect price cuts, but a sharp rise during the promotion days may look like a violation, even if you are simply returning to your previous level. Kaspi does not disclose exactly how it checks whether an increase is "unjustified".
Installment terms by purchase amount
How many months the buyer is offered depends on the purchase amount (q2195, updated Oct 8, 2026). We calculated the monthly payment by dividing the amount by the maximum term.
| Purchase amount | Terms during Zhuma | Example: maximum term |
|---|---|---|
| up to 14,999 ₸ | 3 months | 14,990 ₸ → 4,997 ₸ per month |
| 15,000–24,999 ₸ | 3 or 6 months | 15,000 ₸ → 2,500 ₸ per month |
| 25,000–99,999 ₸ | 3, 6 or 12 months | 99,990 ₸ → 8,332 ₸ per month |
| from 100,000 ₸ | 3, 6, 12 or 24 months | 100,000 ₸ → 4,167 ₸ per month |
The Guide itself has two wordings here. The general description speaks of installments "for 6, 12 or 24 months", while the table of terms starts at three months and gives no other options for purchases up to 14,999 ₸. For a cheap product this means Zhuma is barely different from a regular 3-month installment. Kaspi also notes that the approved amount is individual and depends on the buyer's credit history.
Which products are not sold in installments during Zhuma
Even if you are a participant, some categories are not sold in installments during Zhuma (q2183, updated Oct 9, 2026). These include part of the pharmacy range (masks, bandages, syringes, medicines, antiseptics), pet food, treats and litter, baby food and baby care, household chemicals, paper products, detergents and sponges, as well as hygiene — from toothpaste and shampoo to deodorants and razors. The list is long, so check your category against the Guide. For a laundry detergent seller, Zhuma brings at most the general flow of people in the app.
Calculation: stock and shipping for four days
How much stock you need
Kaspi writes that during Zhuma partners' sales grow more than 5 times (q2180, updated Oct 8, 2026). This is an average across all partners, including offline points with Kaspi QR, not a forecast for your card. How sales of a specific product will change is visible only from your past promotions, so calculate several scenarios.
Stock for the promotion = sales on a normal day × multiplier × 4 days × 1.2
Take the multiplier from past Zhumas or from an assumption, and 1.2 is a 20% safety margin in case sales go faster than you expect.
A hypothetical example, not a client case. A product normally sells 6 units a day, which is 180 orders a month, all via Kaspi Delivery. The warehouse is closed at weekends. The multipliers 2, 3 and 5 are our assumptions, not Kaspi data.
| Scenario | Orders during the 4 promotion days | Stock with a 20% buffer | Orders on Sat and Sun | To hand over on Monday, Nov 9 | Orders for the month |
|---|---|---|---|---|---|
| ×2 | 48 | 58 | 24 | 30 | 204 |
| ×3 | 72 | 87 | 36 | 42 | 228 |
| ×5 | 120 | 144 | 60 | 66 | 276 |
In the ×3 scenario you need to hand over 42 orders on Monday instead of the usual six. If two of you pack 15 orders an hour, that is three hours of packing alone, plus the trip. Orders handed over after the deadline count as delays.
How many delays the month can absorb
Delays must be under 10% of Kaspi Delivery orders. If the month in the ×3 scenario closes with 228 orders, no more than 22 can be handed over late. In the ×2 scenario no more than 20, in the ×5 scenario no more than 27. One botched Monday can easily eat up that entire margin. If delays over the last 7 days were frequent, Kaspi also extends the delivery time of all your orders by one to three days, and the buyer sees this in the card (q3144).
This leads to two practical options. Either the warehouse works on Saturday and Sunday, November 7–8, and you change the schedule in the settings in advance. Or you honestly mark those days as days off in «Расписание в праздники» ("Holiday schedule"), and then the handover deadline in the order is counted from Monday (q2787, q2789). The worst is the in-between option, where the warehouse is open in the cabinet but closed in reality.
What else you can do for Zhuma
Bonuses and promo materials
During Zhuma you can run your own promotions in the Store: «Бонусы на товар» ("Bonuses on a product") and «Бонусы за отзыв» ("Bonuses for a review"). The head, the store manager and the marketing manager can do this (q3962). How bonuses affect your place in the card and what they cost is covered in the article on seller bonuses on Kaspi. Reviews after a wave of orders will also help with the fifth admission condition for the next Zhuma.
For your social media and points of sale, Kaspi provides ready-made layouts: Kaspi Pay → «Маркетинг → Акции с Kaspi QR», choose Kaspi Жұма and press «Скачать промоматериалы» ("Download promo materials"). You may not change their colors, font or logo (q2185).
If you have an offline point
Sales via Kaspi QR follow different rules. Partners who have accepted Kaspi Kredit payments via Kaspi QR and remotely by invoice for at least three months can take part (q2820). During the promotion payments are accepted as usual: on a mobile POS or Smart POS the buyer scans the QR code and chooses «Рассрочка» ("Installments"), and for a remote sale you send an invoice (q2193). If you did not make it into November, the next chance is February, and preparing for it starts with regular Kaspi Kredit payments right now.
Common mistakes sellers make before Kaspi Zhuma
- Raising the price "for the promotion". Kaspi prohibits unjustified increases and may bar you from future promotions. Losing one Zhuma over a markup of a couple of hundred tenge is a bad trade.
- Thinking participation has to be confirmed. For the Store participation is automatic, and the metrics decide. Time is better spent on cancellations and delays than on looking for a button.
- Not watching product reviews. The fifth admission condition is more positive reviews than negative ones. A product with a run of complaints may cost you participation.
- Buying stock "as usual". In the ×3 scenario from our example, the usual weekly stock runs out by Saturday, and every "out of stock" cancellation goes into the metric.
- Leaving the weekend as working days in the schedule without working. Orders from November 7–8 get a handover deadline as if on a working day, and Monday starts with delays.
- Counting on growth "of 5 times". This is Kaspi's average across partners, including offline. For a product under 15,000 ₸, installments during Zhuma are still only for three months.
- Forgetting about the category. Household chemicals, hygiene, baby food and pet food are not sold in installments during Zhuma. Preparing the warehouse for them the same way as for electronics makes no sense.
Checklist: preparing for Kaspi Zhuma on November 5–8
- Quality metrics are open: rating, cancellations, delays and quality returns have a margin from the thresholds.
- Reviews of key products have been reviewed, and a decision has been made on products with complaints.
- The price for the promotion days is set in advance and does not move up after that.
- Documents on the higher purchase cost, if there was one, are in a folder before the start.
- Stock is calculated by the formula in three scenarios, and the reorder is placed with the supply lead time in mind.
- You have decided whether the warehouse works on November 7–8, and the schedule in the cabinet reflects this.
- People and time for packing and handover are planned for Monday, November 9.
- You have checked whether your category is on the list of products without installments.
- Bonuses on a product or for a review are set up, if you decided to use them.
The last point is about people. If there are more orders, there will probably be more chat questions too, and a buyer who waits three hours for an answer has time to buy from the seller next door. If you usually answer yourself, put someone else with the «Менеджер Магазина» ("Store manager") role on for the four days of the promotion.
How to automate pricing during Kaspi Zhuma
Admission, the warehouse and Monday's shipping remain your job, but you can hand over watching the price in the card during the promotion days to a dumping bot (repricing bot). The SaleScout Kaspi bot checks prices every 20 seconds, keeps you at the top of the card and never goes below the minimum price you set. Before the promotion, it is worth recalculating your minimum price to account for the promotion commission and setting it in the bot in advance. You can try the bot free for 7 days, no card needed.
Frequently asked questions about Kaspi Zhuma for sellers
When is Kaspi Zhuma in 2026?
The November Kaspi Zhuma takes place on November 5–8, 2026 and lasts four days. The promotion runs three times a year: in February, June and November. Kaspi announces the exact dates of the next ones on its official pages.
How does a Kaspi.kz Store seller take part in Kaspi Zhuma?
You don't need to switch anything on: in the Kaspi.kz Store, Zhuma applies automatically. But there is admission: a rating of 4 stars or more, cancellations under 3%, handover delays under 10%, quality returns under 2%, more positive product reviews than negative ones and no rule violations.
What happens to my products if I am not admitted to Kaspi Zhuma?
Products up to 100,000 ₸ stay on sale, while more expensive ones can be sold during the promotion only by participants. If you did not accept payments in the Store from June 7 to September 7, 2026, your entire range is removed for four days. The non-admission message arrives in Kaspi Pay.
Can I raise the price before Kaspi Zhuma?
No, unless the reason is the purchase cost. Unjustified price increases are prohibited both before and during the promotion. If the purchase cost went up, Kaspi may request documents, and violators are removed from Zhuma and future promotions.
How many months are installments during Kaspi Zhuma?
It depends on the purchase amount. Up to 14,999 ₸ — only 3 months, from 15,000 ₸ — up to 6, from 25,000 ₸ — up to 12, from 100,000 ₸ — up to 24 months. The approved amount for the buyer is individual.
Which products are excluded from Kaspi Zhuma?
During Zhuma, part of the pharmacy range, pet food and litter, baby food and baby care, household chemicals, paper products and hygiene are not sold in installments. The full list by category is in the Kaspi Guide. For Kaspi Pay partners, petrol stations, cinemas and theaters, and air and rail tickets are excluded from the promotion.
Can I run bonuses during Kaspi Zhuma?
Yes. «Бонусы на товар» and «Бонусы за отзыв» can be launched at any time, including during Zhuma. The head, the store manager or the marketing manager can do this.
Sources
All links checked Oct 19, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for partners. «Что такое Kaspi Жұма для партнеров Kaspi Pay?» (What is Kaspi Zhuma for Kaspi Pay partners?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q2176 (updated Oct 9, 2026); «Как покупатели узнают о Kaspi Жұма?» (How do buyers learn about Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q2181 (updated Oct 9, 2026)
- Kaspi Guide. «Когда пройдет Kaspi Жұма?» (When will Kaspi Zhuma take place?) — https://guide.kaspi.kz/partner/ru/zhuma/q2177 (updated Oct 9, 2026); «Сколько будет длиться Kaspi Жұма?» (How long will Kaspi Zhuma last?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q3761 (updated Oct 9, 2026); «Когда будет следующая Kaspi Жұма?» (When is the next Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q3342 (updated Oct 9, 2026)
- Kaspi Guide. «Я продавец в Магазине на Kaspi.kz. Как принять участие в Kaspi Жұма?» (I am a Kaspi.kz Store seller. How do I take part in Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/q4311 (updated Nov 7, 2025); «Кто может принимать участие в Kaspi Жұма?» (Who can take part in Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/q2184 (updated Oct 9, 2026); «Как подключиться к Kaspi Жұма?» (How to join Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/connection/q2188 (updated Oct 9, 2026)
- Kaspi Guide. «Почему меня отключили от Kaspi Жұма?» (Why was I removed from Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/connection/q2440 (updated Oct 12, 2026); «Я подключился к Kaspi Жұма, но не могу продавать в рассрочку 0-0-24…» (I joined Kaspi Zhuma but cannot sell with 0-0-24 installments…) — https://guide.kaspi.kz/partner/ru/zhuma/connection/q2827 (updated Oct 12, 2026); «Я продаю с Kaspi Pay, но не могу подключиться к Kaspi Жұма. Почему?» (I sell with Kaspi Pay but cannot join Kaspi Zhuma. Why?) — https://guide.kaspi.kz/partner/ru/zhuma/connection/q2821 (updated Oct 9, 2026); «Я партнер Kaspi Pay. Могу подключиться к Kaspi Жұма?» (I am a Kaspi Pay partner. Can I join Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/connection/q2820 (updated Oct 9, 2026)
- Kaspi Guide. «Можно поднять цены на период Kaspi Жұма?» (Can I raise prices for Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/q2182 (updated Oct 9, 2026); «На какой срок и сумму покупатель может оформить рассрочку во время Kaspi Жұма?» (For what term and amount can a buyer take installments during Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q2195 (updated Oct 8, 2026); «Kaspi Жұма действует на все мои товары в Магазине на Kaspi.kz?» (Does Kaspi Zhuma apply to all my products in the Store?) — https://guide.kaspi.kz/partner/ru/zhuma/q2183 (updated Oct 9, 2026)
- Kaspi Guide. «На сколько вырастут мои продажи в период Kaspi Жұма?» (How much will my sales grow during Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/q2180 (updated Oct 8, 2026); «Я могу запустить акцию с бонусами во время Kaspi Жұма?» (Can I run a bonus promotion during Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/conditions/general/q3962 (updated Oct 9, 2026); «Как получить промоматериалы по Kaspi Жұма…?» (How to get Kaspi Zhuma promo materials?) — https://guide.kaspi.kz/partner/ru/zhuma/q2185 (updated Oct 8, 2026); «Как принять оплату во время Kaspi Жұма?» (How to accept payment during Kaspi Zhuma?) — https://guide.kaspi.kz/partner/ru/zhuma/sales/q2193 (updated Oct 8, 2026)
- Kaspi Guide. «Что будет, если я не успею передать заказы вовремя в пункты приема Kaspi.kz?» (What if I do not hand orders over to drop-off points on time?) — https://guide.kaspi.kz/partner/ru/shop/delivery/shipping/q3144 (updated Mar 13, 2025); «Как… настроить график работы в праздничные дни?» (How to set the holiday schedule?) — https://guide.kaspi.kz/partner/ru/shop/sale_points/q2787 (updated Mar 28, 2025); «Я буду получать заказы в выходные и праздничные дни…?» (Will I receive orders on weekends and holidays?) — https://guide.kaspi.kz/partner/ru/shop/orders/q2789 (updated Sep 27, 2023)
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