For a seller, an order in the Kaspi.kz Store paid with another bank's card costs the same as an order paid with Kaspi Gold: Kaspi takes the usual commission for your category, with no surcharge for a "foreign" card. The buyer can pay with a Visa or MasterCard from any Kazakhstani bank, but in that case cannot spend Kaspi Bonuses (Kaspi's cashback points) or a gift certificate. Below is what this means for your price, promotions and bookkeeping, and why offline, through Kaspi POS, the picture is different.
In short
- In the Kaspi.kz Store, accepting a payment by another bank's card costs the seller the same as a payment with Kaspi Gold, Kaspi Red+ or Kaspi Kredit. The commission depends on the product category, not on the payment method.
- You can't set a separate price "for other banks' cards": it breaks the rules, with measures up to termination of the partnership.
- A buyer paying with another bank's card cannot spend Kaspi Bonuses or apply a certificate. Promotional bonuses are promised in the Kaspi Guide for paying with Kaspi Gold, Red+, on credit or in installments.
- Offline it is different: through Kaspi POS, another bank's card or the unified QR costs 1.35% against 0.95% with Kaspi Gold (for most categories). On 1,200,000 ₸ of such payments a month, that is a 4,800 ₸ difference.
How a buyer pays with another bank's card
Which cards work
Kaspi says it directly: in the Kaspi.kz Store you can pay with a Visa or MasterCard from any Kazakhstani bank (q17743, updated Aug 13, 2025). The buyer chooses «Карта другого банка» ("Another bank's card"), scans the card or enters the number, expiry date and cardholder name, then the CVV. The details are saved, so there is no need to enter them again.
Only one such card can be added. To pay with a different one, the buyer first removes the old card from the payment methods (q17744, updated Aug 13, 2025).
Why the card won't add
If a buyer writes to you in chat that "the payment won't go through", the cause is almost always on their side. Kaspi lists five options (q17748, updated Aug 13, 2025):
| Reason | What to tell the buyer |
|---|---|
| Card details entered with a mistake | Check the number, expiry date, name and CVV |
| The card is not Visa or MasterCard | Other payment systems are not accepted in the Store |
| A foreign bank's card | Only cards of Kazakhstani banks are accepted |
| The card has expired | Reissue the card or use another Visa/MasterCard |
| The buyer is under 18 | Only adults can pay with another bank's card |
This list is useful not for the buyer's sake but for yours. An order that could not be paid never reaches you, so it will not count as a cancellation caused by you. But when someone asks about payment in chat, a quick answer from the table saves the purchase: the person switches to Kaspi Gold or another card instead of buying from your neighbour in the product card (the single shared listing where all sellers of an item compete).
What is not available with another bank's card
This is the main limitation. Kaspi Bonuses can be spent only if the purchase is paid with Kaspi Gold, Kaspi Red+, on credit or in installments (q17745). The same goes for a certificate: it cannot be applied when paying with another bank's card (q17746).
Then there is accrual. In the general list of payment methods, Kaspi writes that during promotions a buyer can get up to 60% in Kaspi Bonuses for a purchase with Kaspi Gold, Kaspi Red+, on credit or in installments (q12443, updated Sep 18, 2026). Other banks' cards are not on that list. If you run a «Бонусы на товар» ("Bonuses on a product") promotion and expect the bonus to nudge the buyer, keep in mind that, going by the Guide's wording, this lever does not work on someone paying with another bank's card. How seller bonuses work and who pays for them is covered in the article on seller bonuses on Kaspi.
| Payment method | Spend Kaspi Bonuses | Apply a certificate | Promotional bonuses (per q12443) |
|---|---|---|---|
| Kaspi Gold | yes | yes | yes |
| Kaspi Red+ | yes | yes | yes |
| Credit or installments | yes | yes | yes |
| Another bank's card (Visa/MasterCard, KZ) | no | no | not on the list |
What it costs the seller
Online: one rate for all methods
Kaspi has a separate page for the question "how much does accepting another bank's card cost", and the answer is short: the same as a payment with Kaspi Gold, Kaspi Red+ or Kaspi Kredit (q4099, updated Jan 6, 2026). The commission depends on the product category and is fixed. The gift certificate («Сертификат на покупки») works the same way: the same acceptance cost, and it is enabled automatically, nothing to switch on (q3656, q3657, updated Apr 21, 2026).
Category rates range from 6.4% to 13.5% excluding VAT; most categories pay 10.9% excluding VAT, or 12.5% including VAT per Kaspi's table (q1344). Where in the tariff table it is easy to be off by a couple of percent, we covered in the article on Kaspi commission for sellers.
Hypothetical example, not a client case. Assumptions: a product at 20,000 ₸ in a category with a 12.5% rate including VAT, the order has been handed over, ordinary days without the 0-0-24 installment promotion.
Commission per order = price × category rate
| How the buyer paid | Price | Commission 12.5% | Left before other costs |
|---|---|---|---|
| Kaspi Gold | 20,000 ₸ | 2,500 ₸ | 17,500 ₸ |
| Kaspi Red+ | 20,000 ₸ | 2,500 ₸ | 17,500 ₸ |
| Kaspi Kredit | 20,000 ₸ | 2,500 ₸ | 17,500 ₸ |
| Another bank's card | 20,000 ₸ | 2,500 ₸ | 17,500 ₸ |
| Gift certificate | 20,000 ₸ | 2,500 ₸ | 17,500 ₸ |
The table is boring, and that is the point. You don't need to build the "another bank's card" line into your minimum price separately, keep a buffer for it or calculate a separate margin. If you have seen "1.5% acquiring for foreign cards" somewhere in your books, that is not about the Kaspi.kz Store.
When the rate is different after all
There are two cases, and neither is about the card. The first is promotions: during Kaspi.kz promotions the sales commission rises according to their terms, which you can see in the cabinet under «Маркетинг → Акции Магазина на Kaspi.kz» ("Marketing → Kaspi.kz Store promotions") (q4099). For the 0-0-24 installment plan (0%, no down payment, 24 months) this is laid out in the article on 0-0-24 installments for sellers. The second is cancellation: if the buyer cancels the order, the commission goes back to the company's account. The payment method has no effect on that.
Why you can't set different prices by payment method
Kaspi's rule
A seemingly logical thought: "let other banks' cards pay 2% more". Kaspi forbids it. Kaspi.kz Store partners may not set different prices depending on the payment method; it is a breach of the rules, for which restrictive measures apply up to termination of the partnership. The price must be the same whatever the buyer pays with (q4170, updated Oct 8, 2025).
The same Guide article has a note about the Rules of Domestic Trade: if you yourself, at your own expense, give the buyer an installment plan, you must show both prices. That does not apply to an ordinary Store sale where Kaspi arranges the installments and credit.
Why it matters
The ban covers more than the price in the product card. It also covers chat messages like "pay with Kaspi Gold and I'll give you a discount", and the reverse, asking for an extra payment "for a foreign card" at handover. The chat with the buyer is visible to the head of the company, the general manager and managers, and the buyer can complain. Putting the whole store at stake for a difference that doesn't even exist in the Kaspi.kz Store makes no sense.
Online and offline: where another bank's card costs more
Kaspi POS tariffs
If you also have a point of sale with Kaspi POS, the payment method does matter there. Under the Kaspi POS tariffs, a payment with Kaspi Gold (via Kaspi QR, by card, Apple Pay or Google Pay) and from a Kaspi Pay account costs 0.95%. Other banks' cards and the unified QR cost 1.30% for medical and training centres and 1.35% for petrol stations, grocery shops, pharmacies and all other categories. Payments with Kaspi Red+ and Kaspi Kredit are charged according to your business category (q3567, updated Oct 1, 2026).
The unified QR does not replace Kaspi QR; it only widens the list of banks whose clients can pay with your code (q5119). Money for a payment from another bank's client arrives in your Kaspi Pay account online after each sale, already net of the acceptance fee (q5121, updated Jul 17, 2026).
A calculation for a store with an offline point
Hypothetical example, not a client case. Assumptions: the "Others" category, Kaspi POS turnover of 3,000,000 ₸ a month, of which 60% is paid with Kaspi Gold and 40% with other banks' cards and via the unified QR. Red+ and Kredit are left out for simplicity.
Acceptance cost = turnover × share of the method × the method's tariff
| Payment method | Turnover | Tariff | Acceptance cost |
|---|---|---|---|
| Kaspi Gold | 1,800,000 ₸ | 0.95% | 17,100 ₸ |
| Other banks' cards, unified QR | 1,200,000 ₸ | 1.35% | 16,200 ₸ |
| Total | 3,000,000 ₸ | — | 33,300 ₸ |
| If everyone paid with Kaspi Gold | 3,000,000 ₸ | 0.95% | 28,500 ₸ |
The difference is 4,800 ₸ a month, that is, 0.4 percentage points on every tenge paid with another bank's card. Offline this is a real expense line. For Kaspi.kz Store orders there is no such line: the same share of turnover from other banks' cards costs exactly the category rate.
What follows from this
Don't carry offline logic online. A seller used to "asking for Kaspi QR" at the till sometimes starts nudging Store buyers the same way. It saves no money, and it creates risk under the double-pricing rule. In the Kaspi.kz Store, the things worth managing are category, price, promotions and cancellations.
Money and bookkeeping
When the money arrives
The payout scheme in the Store is the same for all payment methods: money reaches your Kaspi Pay account after the order is handed over, and the commission is deducted automatically. You won't see a separate payout "from another bank", and no separate reconciliation by card is needed. How to reconcile payouts with orders down to the tenge is covered in the article on Kaspi commission.
Cancellations and returns
If an order is cancelled, the commission returns to your account (q4099). How and where money goes back to the buyer is not broken down by payment method in the Guide for sellers, so you should not promise a buyer a specific time for a refund to another bank's card. Send them to the Kaspi Guide or the support chat in the Kaspi.kz app. The return procedure on the seller's side is described in the article on returns on Kaspi.
Common mistakes with payments by other banks' cards
- Building "acquiring for a foreign card" into the minimum price. There is none in the Kaspi.kz Store. An extra 1.5% in the minimum price on a 20,000 ₸ product is 300 ₸ you could have gone down by in the fight for the top of the product card, and don't.
- Offering a discount for paying with Kaspi Gold. That is a double price by payment method, a breach of the rules with the risk of being disconnected. And there is zero benefit: the commission is the same.
- Promising bonuses to a buyer paying with a foreign card. Per the Guide, bonuses are spent and promotional bonuses accrue only for payment with Kaspi Gold, Red+, on credit or in installments. A promise that didn't come true turns into a bad review.
- Mixing up Kaspi POS and Store tariffs. 0.95% and 1.35% are offline payment tariffs. Put them into the economics of a Store order and the calculation drifts by more than 10 percentage points.
- Not answering "why won't my card work". The five reasons from the Guide are covered by one message. Without an answer the buyer simply buys from your neighbour in the card.
- Promising a refund time to another bank's card. Kaspi does not publish such a timeframe for sellers. A wrong number in chat will later surface in a complaint.
- Forgetting that the rate is higher in promotions. The payment method has nothing to do with it, but if you joined a promotion, the commission follows its terms and the minimum price has to be recalculated.
Checklist: payment with another bank's card
- Your minimum price includes your category rate from Kaspi's table, with no surcharge for the payment method.
- The price is the same for every payment method — in the product card, in chat and at handover.
- Managers know the five reasons another bank's card won't add and answer within a minute.
- Promotion texts don't promise bonuses to buyers paying with a foreign card.
- If you are in a Kaspi promotion, the commission under its terms is reflected in the minimum price.
- Kaspi POS tariffs (0.95% and 1.35%) are used only in the offline point's calculation.
- Payouts are reconciled by order, not by payment method.
- For questions about refunds to another bank's card, the manager sends the buyer to the Kaspi Guide rather than naming timeframes.
The first item matters more than it seems. A minimum price is usually set once and forgotten, and a "just in case" buffer lives in it for months, handing the top of the product card to those who calculated more precisely.
How to automate the price when the payment method doesn't matter
Since the commission doesn't depend on how the buyer pays, the price in the product card is your main lever, and holding it by hand is tiring. The SaleScout Kaspi bot checks prices every 20 seconds, keeps you at the top of the product card and never goes below the minimum price you set. When a competitor raises the price or leaves the card, the bot raises your price to just below the next seller. You can try the bot free for 7 days, no card needed.
Frequently asked questions about paying with another bank's card on Kaspi
Can you pay in the Kaspi Store with another bank's card?
Yes. The Kaspi.kz Store accepts Visa and MasterCard cards from any Kazakhstani bank: at checkout you choose «Карта другого банка» ("Another bank's card") and enter the details. Foreign cards and other payment systems won't work, and only adults can pay with another bank's card.
How much does the seller pay if the buyer paid with another bank's card?
The same as for a payment with Kaspi Gold, Kaspi Red+ or Kaspi Kredit. Kaspi takes the usual commission for the product category, which is 12.5% including VAT for most categories. There is no separate fee for accepting a foreign card in the Kaspi.kz Store.
Can I make the price lower for paying with Kaspi Gold?
No. Kaspi forbids partners from setting different prices depending on the payment method, and restrictive measures up to termination of the partnership apply. The price must be the same for all buyers.
Why can't a buyer add another bank's card on Kaspi?
Most often because of a mistake in the card details, an expired card or a foreign bank's card. Two more reasons: the payment system is not Visa or MasterCard, or the buyer is under 18. Also, only one foreign card can be saved, so the old one has to be removed to add a new one.
Can you spend Kaspi Bonuses when paying with another bank's card?
No. Bonuses and certificates work only when paying with Kaspi Gold, Kaspi Red+, on credit or in installments. If the buyer wants to use bonuses, they need to choose one of those methods.
How is paying online with a foreign card different from paying through Kaspi POS?
In the Kaspi.kz Store the payment method does not affect the commission. In Kaspi POS it does: for most categories a Kaspi Gold payment costs 0.95%, while another bank's card or the unified QR costs 1.35%. On 1,200,000 ₸ of such payments that is 4,800 ₸ a month.
Is the commission returned if an order paid with a foreign card is cancelled?
Yes. The commission is charged only for a sale, and if the buyer cancels the order it goes back to the company's account. The payment method plays no role here.
Sources
All links checked Oct 21, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for partners. «Сколько стоит прием оплаты картой другого банка в Kaspi Магазине?» (How much does accepting another bank's card cost in the Kaspi Store?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q4099 (updated Jan 6, 2026)
- Kaspi Guide for partners. «Сколько стоит прием оплаты с помощью Сертификата на покупки в Kaspi Магазине?» (How much does accepting a gift certificate cost?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q3656 (updated Jan 6, 2026); «Как подключить способ оплаты Сертификат на покупки…?» (How to enable the gift certificate payment method?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q3657 (updated Apr 21, 2026)
- Kaspi Guide for partners. «Какая комиссия за продажи в Магазине на Kaspi.kz?» (What is the sales commission in the Kaspi.kz Store?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q1344 (updated Jan 6, 2026)
- Kaspi Guide for partners. «Я могу устанавливать двойные цены на товары в Магазине на Kaspi.kz?» (Can I set double prices?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q4170 (updated Oct 8, 2025)
- Kaspi Guide for clients. «Как оплатить покупку в Магазине на Kaspi.kz картой другого банка?» (How to pay with another bank's card?) — https://guide.kaspi.kz/client/ru/shop/receive/card/q17743; «Сколько карт других банков можно добавить…?» (How many cards of other banks can be added?) — https://guide.kaspi.kz/client/ru/shop/receive/card/q17744; «Можно потратить Kaspi Бонусы при оплате картой другого банка…?» (Can Kaspi Bonuses be spent?) — https://guide.kaspi.kz/client/ru/shop/receive/card/q17745; «Можно использовать сертификат при оплате картой другого банка…?» (Can a certificate be used?) — https://guide.kaspi.kz/client/ru/shop/receive/card/q17746; «Я не могу добавить карту другого банка…» (I can't add another bank's card) — https://guide.kaspi.kz/client/ru/shop/receive/card/q17748 (all updated Aug 13, 2025)
- Kaspi Guide for clients. «Как оплатить покупку в Магазине на Kaspi.kz?» (How to pay for a purchase in the Kaspi.kz Store?) — https://guide.kaspi.kz/client/ru/shop/receive/general/q12443 (updated Sep 18, 2026)
- Kaspi Guide for partners. «Сколько стоит прием оплаты через Kaspi POS?» (How much does accepting payments via Kaspi POS cost?) — https://guide.kaspi.kz/partner/ru/pos/conditions/q3567 (updated Oct 1, 2026); «Kaspi QR продолжит работать после подключения к единому QR?» (Will Kaspi QR keep working after connecting the unified QR?) — https://guide.kaspi.kz/partner/ru/pos/conditions/q5119 (updated Jul 17, 2026); «Когда я получу деньги за оплату по Kaspi QR от клиента другого банка?» (When will I get money for a Kaspi QR payment from another bank's client?) — https://guide.kaspi.kz/partner/ru/pos/conditions/q5121 (updated Jul 17, 2026)
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