0-0-24 installments on Kaspi mean a 24-month purchase with no down payment and no overpayment for the buyer, available only during Store promotions and only for purchases from 100,000 ₸. The seller gets paid as for a regular sale, after the product is handed over, minus the fee. Under Kaspi's document "Store Promotion Fees 2026", the fee in promotions is 0.4–0.6 percentage points higher than usual, including VAT: 13.0% instead of 12.5% for most categories. You take part automatically if you meet the quality metrics, and the only way to opt out is to take the product off sale before the start.
In short
- The installment term depends on the purchase amount: 24 months appear only from 100,000 ₸. A product at 99,990 ₸ in the same promotion can be bought for 12 months at most: 8,333 ₸ a month versus 4,167 ₸.
- In the "Store Promotion Fees 2026", the rates are higher than usual: 7.7% instead of 7.3%, 13.0% instead of 12.5%, 16.1% instead of 15.5% (including VAT). On a 150,000 ₸ TV, that is 750 ₸ per order.
- For your profit not to drop, orders in the promotion have to grow by m ÷ (m − Δ × P) − 1. In the hypothetical TV example, by only 6%.
- Raising the price before and during a promotion without a rise in purchase cost is not allowed: Kaspi may disconnect you from the promotion and keep you out of the next ones.
- Some categories (household chemicals, hygiene, pet food, baby food and others) cannot be sold on 12- and 24-month installments at all.
How 0-0-24 installments work
What the buyer sees
For the buyer, "0-0-24" reads simply: zero down payment, zero overpayment, 24 months. Kaspi confirms both zero parts separately: installment purchases are "always without overpayment or fees" (Kaspi Guide for clients, q16696), and no down payment is needed (q1262). Kaspi Guide is Kaspi's official help center. Without a promotion, the Kaspi.kz Store offers installments of up to 3 months, while 6, 12 and 24 months open up during promotions (q16684).
Whether a specific person gets installments approved, and for what amount, is decided by Kaspi based on the buyer's credit history and ability to pay (q1750, updated Jan 12, 2026). You have no influence over this.
What the seller gets
For you, an installment sale does not differ from a regular one in terms of money. The money arrives in your Kaspi Pay account after the buyer has received the product and the order has moved to the status «Выдан» ("Handed over"), minus the fee (q1346, updated Mar 27, 2026). It is not the seller who waits twenty-four months.
Two prohibitions from the seller rules follow from this (q1342, updated Sep 30, 2026). If the order is placed on credit or installments, you may not take a partial payment from the buyer in person (clause 1.6). And the price cannot depend on the payment method: selling at a higher price to those who choose installments is prohibited (clause 3.5), and dual pricing can lead to measures up to and including termination of cooperation (q4170). It is a separate story if you provide the installments yourself from your own funds: then, under the amendments to the Domestic Trade Rules, you must show both prices.
The 100,000 ₸ threshold: terms by purchase amount
How many months the buyer is offered in a promotion is tied by Kaspi to the purchase amount:
| Purchase amount | Terms available in a promotion | Monthly payment at the maximum term, example |
|---|---|---|
| 10,000–14,999 ₸ | 3 months | 14,990 ₸ → 4,997 ₸ |
| 15,000–24,999 ₸ | 3 and 6 months | 24,990 ₸ → 4,165 ₸ |
| 25,000–99,999 ₸ | 3, 6, 12 months | 99,990 ₸ → 8,333 ₸ |
| from 100,000 ₸ | 3, 6, 12, 24 months | 100,000 ₸ → 4,167 ₸ |
The source for the terms is q1750 and the client answer q16691; we calculated the payments by dividing the price by the number of months.
Look at the two bottom rows. The price difference is 10 ₸, while the monthly payment differs by a factor of two. Beyond this, there are questions Kaspi has no public answer to: how many buyers choose exactly 24 months, and how often a person goes to a more expensive seller for a smaller payment. Kaspi describes the order of sellers in the product card (one shared product page listing all sellers) in terms of price, bonuses, rating, reviews and delivery speed (q4752); the installment term is not mentioned among these factors. More on the order in the article how to get to the top of the product card.
The practical takeaway is this. If your minimum price allows you to stand at both 99,990 ₸ and 100,000 ₸, during a 0-0-24 promotion the extra 10 ₸ gives the buyer half the monthly payment. Whether it works that way in your product card can only be seen from your own orders: compare the share of 24-month purchases in past promotions for products on either side of the threshold.
There is one more nuance. The Guide talks about the purchase amount, not the price of a single product. If a person puts two items at 60,000 ₸ each into the basket, the purchase amount is 120,000 ₸. Kaspi does not say separately whether the 24-month term then applies to the whole basket; check it with a test basket in the app before the promotion.
The fee in promotions: what the Guide says and what the fee tables say
Two wordings side by side
From 2026, Kaspi switched to a single fee and explains it like this: previously the rates differed between regular sales and promotions, and now "partners will no longer have to pay additional amounts during promotions with category bonuses or installments up to 0-0-12". The exception is 0-0-24 installments: "in these periods the fee may change", and the information will appear in the «Маркетинг» ("Marketing") service (q3734, updated Jan 6, 2026). The answer about the fee repeats the same: in 0-0-24 promotions, it may change according to the terms in «Маркетинг → Акции Магазина на Kaspi.kz» ("Marketing → Kaspi.kz Store Promotions") (q1344).
At the same time, the answer "How much does taking part in a promotion cost" refers to a separate document, "Kaspi.kz Store Promotion Fees 2026" (q1681, promotion fees PDF). And Kaspi's own example comes from there: for a sale in a promotion in the «Бытовая техника» ("Home appliances") category, the fee including VAT will be 13% (q4591, updated Feb 2, 2026).
Rates: regular and in promotions
We compared both 2026 tables line by line: each has 4,125 category rows, and every category has a higher rate in promotions than the regular one.
| Category group (examples) | Rows in the table | Regular, excl. VAT → incl. VAT | In promotions, excl. VAT → incl. VAT | Difference incl. VAT |
|---|---|---|---|---|
| Food, part of pharmacy and pet products | 180 | 6.4% → 7.3% | 6.8% → 7.7% | +0.4 pp |
| Most: electronics, home, construction, clothing, auto | 3,880 | 10.9% → 12.5% | 11.3% → 13.0% | +0.5 pp |
| Jewelry, part of accessories and gadgets | 65 | 13.5% → 15.5% | 14.0% → 16.1% | +0.6 pp |
The regular rates come from the Store fee table 2026; why 10.9% excluding VAT turns into 12.5% is explained in the article on the Kaspi fee.
How does this fit with the phrase "will no longer have to pay additional amounts"? The logical reading is this: the higher rates from the promotion fee table apply during 0-0-24 periods, while in promotions with installments up to 0-0-12 and with category bonuses you pay the regular fee. But Kaspi does not say so directly. So for each specific promotion, open its terms in «Маркетинг → Акции Магазина на Kaspi.kz» (q1674) and calculate using the rate from there.
How much this is in tenge
| Product price | 12.5% → 13.0% | 7.3% → 7.7% | 15.5% → 16.1% |
|---|---|---|---|
| 100,000 ₸ | +500 ₸ | +400 ₸ | +600 ₸ |
| 150,000 ₸ | +750 ₸ | +600 ₸ | +900 ₸ |
| 300,000 ₸ | +1,500 ₸ | +1,200 ₸ | +1,800 ₸ |
| 500,000 ₸ | +2,500 ₸ | +2,000 ₸ | +3,000 ₸ |
Half a percent looks harmless until you put it next to your profit. A 300,000 ₸ laptop on which you earn 12,000 ₸ gives away an eighth of its profit in the promotion.
Calculation: will taking part pay off
The formula
Let P be the price, m your profit per order at the regular fee, and Δ the fee increase in the promotion (as a fraction, including VAT). The profit in the promotion equals m − Δ × P. For the total profit for the period not to drop, orders have to grow by:
Required order growth = m ÷ (m − Δ × P) − 1
The same formula with hypothetical Δ values was already in the article on the fee. Now Δ is known from the fee tables, and you can calculate with real rates.
Example: a 150,000 ₸ TV
A hypothetical example, not a client case. A TV in «ТВ, Аудио, Видео» ("TV, Audio, Video") with a regular rate of 12.5% including VAT, boxed weight 5–15 kg, city delivery 1,349 ₸ excluding VAT, that is 1,565 ₸ including VAT (q2288). An individual entrepreneur (IP) in Almaty on the simplified declaration regime at 3% (BES.media). We took a purchase cost of 112,000 ₸ for illustration.
| Item | Regular sale | Sale in a 0-0-24 promotion |
|---|---|---|
| Price | 150,000 ₸ | 150,000 ₸ |
| Purchase cost | 112,000 ₸ | 112,000 ₸ |
| Fee incl. VAT | 18,750 ₸ (12.5%) | 19,500 ₸ (13.0%) |
| Kaspi Delivery incl. VAT | 1,565 ₸ | 1,565 ₸ |
| Tax 3% | 4,500 ₸ | 4,500 ₸ |
| Profit per order | 13,185 ₸ | 12,435 ₸ |
Required growth: 13,185 ÷ 12,435 − 1 ≈ 6%. If the TV is bought 20 times in a regular month, the promotion needs at least 22 orders to earn the same.
When six percent is not enough
The thinner the profit, the higher the bar. Below is the same calculation for Δ = 0.5 pp at different prices and profits:
| Price | Profit 6,000 ₸ | Profit 12,000 ₸ | Profit 24,000 ₸ |
|---|---|---|---|
| 100,000 ₸ | +9.1% | +4.3% | +2.1% |
| 150,000 ₸ | +14.3% | +6.7% | +3.2% |
| 300,000 ₸ | +33.3% | +14.3% | +6.7% |
Kaspi itself writes that during promotions partners' sales usually grow more than twofold (q1675, q3819). This is an average estimate across all partners, not a promise to your product card. If in past promotions the sales of a specific product grew less than its cell in the table requires, the promotion works for turnover for that item, but not for profit.
One subtle point about the minimum price. If you or a bot hold the price at a minimum price calculated for the 12.5% rate, in the promotion that floor is already Δ × P below your real break-even point. It is better to recalculate the minimum price for the 0-0-24 period with the promotion rate; the minimum price formula is in the article on dumping.
Who takes part and how to opt out
Automatic participation
All partners who maintain the quality metrics and do not breach the contract automatically take part in installment promotions: a rating from 4 stars, cancellations through your fault below 3%, delays in handover to Kaspi Delivery below 10%, quality returns below 2% (q3819). Either the whole assortment or only a certain category can take part (q1676). If you are not in a promotion, among the reasons Kaspi also names "not enough sales"; the threshold is individual and depends on the category (q3503).
If Kaspi restricts your participation, the promotion products are taken off sale automatically (q1676). So a quality metric that slipped on the eve of a promotion costs you not a "badge" but the sales of those products for the whole period.
How not to take part
There is no "count me out" switch. There is only one way to opt out: take the products off sale before the promotion starts (q1680). That means for the duration of the promotion you will not have that item at all, neither on installments nor for cash. The decision "not to take part" in practice means "not to sell", and it should be compared not with the profit in the promotion but with zero.
Promotions are visible in advance: the calendar is in Kaspi Pay, «Маркетинг → Акции Магазина на Kaspi.kz», and it is updated regularly (q1672). Each promotion there has a date, type and participation terms.
Which products are not sold for 24 months
In the Store, a whole list of categories cannot be sold on 12- and 24-month installments: part of pharmacy (masks, bandages, medicines, antiseptics), pet food and litter, baby food and baby care products, household chemicals and paper products, hygiene from pads to shampoos and deodorants (q4659, updated Jun 9, 2026). The list is long; check your level-4 category against the Guide. If you sell laundry powder, the 0-0-24 promotion essentially does not concern you.
Preparing for a promotion: price, stock, shipping
Price: no raising it "for the promotion"
Unjustified price increases are prohibited in the run-up to and during promotions. The exception is a rise in purchase cost, and Kaspi may request documents. The penalty is disconnection from the promotion and exclusion from the next ones (q1678, updated Nov 21, 2024).
This is where the threshold trap lies. Raising a product from 98,000 to 100,000 ₸ a couple of days before 0-0-24 to get into 24 months is exactly a price increase without a rise in purchase cost. The Guide does not specify how many days Kaspi considers the "run-up". If you want to stand above the threshold, decide it well before the promotion and keep purchase documents at hand.
Stock and shipping
Before a promotion, Kaspi advises three things: make sure you can process and hand over more orders, check the stock of promotion products, and increase the number of couriers if you deliver yourself (q3817). In practice, the first and third hit your metrics. A cancellation because a product ran out counts as a cancellation through your fault, and their share must be below 3%. A delay in handover to Kaspi Delivery goes into the delay metric, with a 10% threshold.
Calculate the stock for the promotion from the demand you expect during the promotion, not from September's. How to keep stock in the cabinet with a buffer and when to reorder is covered in the article on stock on Kaspi.
When to take part and when to pull a product
It is simplest with products where the profit per order is many times greater than Δ × P, there is stock in the warehouse, and the quality metrics are far from the thresholds. The TV from the example needs only six percent growth; such an item can stay in the promotion without much thought.
Expensive products on a thin margin are more interesting. A 300,000 ₸ smartphone that earns you 6,000 ₸ gives away a quarter of its profit in the promotion, and you need a third more sales. Did past promotions give it less? Then the question is open, but keep in mind the cost of opting out: a pulled product does not sell at all.
It makes sense to pull an item when the promotion threatens to drag down your metrics. The warehouse will not cope, there are not enough couriers, the product is already getting "does not work" returns: in that situation, a week without sales of one item is cheaper than restrictions on the whole store.
Common mistakes
- A minimum price at the regular rate. In a 0-0-24 promotion, the fee under the promotion fee table is 0.5 pp higher for most categories. On a 300,000 ₸ product, the "break-even" price turns out to be minus 1,500 ₸ on every order.
- Raising the price to 100,000 ₸ right before the promotion. Grounds for disconnection from the promotion and a ban on future ones. If you raise it at all, do it in advance and with justification.
- A price "for installments" higher than for Kaspi Gold. This is dual pricing, a breach of clause 3.5 of the rules. The risk is measures up to and including termination of cooperation.
- A calculation that ignores returns. A promotion speeds up sales, and therefore returns too. As long as the buyer can return the product, the profit in the table is not yours yet; how to calculate the cost of a return is in the article on returns on Kaspi.
- An empty warehouse on the third day of the promotion. Every cancellation due to a missing product counts as a cancellation through your fault. With 200 orders, six such cancellations already make 3%.
- "Opting out" of a promotion, which means the product disappears. The pulled item does not sell for a week, and competitors in the product card collect your orders in the meantime.
- Expecting that all products can be sold for 24 months. Household chemicals, hygiene and pet food are not sold on 12- and 24-month installments, and the growth Kaspi promises on average does not apply to them.
Checklist
- The promotion calendar in «Маркетинг» ("Marketing") is open, and the date of the next 0-0-24 is known.
- The terms of the specific promotion have been read, and the fee rate for your category has been written down.
- The minimum price of each product has been recalculated with the promotion rate.
- For each SKU, the required order growth has been calculated and compared with past promotions.
- Your categories have been checked against the list of products that cannot be sold on 12- and 24-month installments.
- Prices near the 100,000 ₸ threshold were decided in advance, with no increases on the eve of the promotion.
- The stock of promotion products is calculated for higher demand.
- The quality metrics in the cabinet have been checked: none is close to its threshold.
Two items are worth spelling out separately. If you deliver yourself, arrange extra couriers before the start, not on the first evening of the promotion when orders are already piling up. And make the decision to pull a product before the promotion begins: afterwards you cannot leave it while keeping the product on sale.
How to automate it
You calculate the promotion fee rate and the new minimum price, while a dumping bot (repricing bot) can hold the price in the product card during those days. The SaleScout Kaspi bot checks prices every 20 seconds, does not go below the minimum price you set, and raises the price when a competitor goes up or leaves the product card. SaleScout's Kaspi Marketing AI manages bids in Kaspi Marketing (Kaspi's in-platform advertising) and is currently free together with the bot. You can try the bot free for 7 days, no card required.
FAQ
What are 0-0-24 installments on Kaspi?
It is a 24-month purchase with no down payment and no overpayment for the buyer. In the Kaspi.kz Store, it is available only during promotions and only for purchases from 100,000 ₸. The seller gets the money after the product is handed over, as with a regular sale, minus the fee.
What fee does a seller pay in a 0-0-24 promotion on Kaspi?
According to the document "Kaspi.kz Store Promotion Fees 2026", 13.0% including VAT for most categories instead of the regular 12.5%, 7.7% instead of 7.3% and 16.1% instead of 15.5% for the other groups. Kaspi writes that the fee may change during 0-0-24 periods, so check the exact rate in the terms of the specific promotion in «Маркетинг → Акции Магазина» ("Marketing → Store Promotions").
From what amount are 24-month installments available on Kaspi?
From 100,000 ₸, and this is a threshold on the purchase amount. Anything cheaper gets a shorter term in the promotion: from 25,000 to 99,999 ₸, up to 12 months; from 15,000 to 24,999 ₸, up to six; from 10,000 to 14,999 ₸, only three. Whether a specific person gets installments approved is decided by Kaspi itself based on their credit history.
Can I opt out of an installment promotion on Kaspi?
Formally yes, but there is only one way: take the products off sale before the promotion starts. There is no "do not take part" button in the cabinet, so for the promotion week the item simply disappears from sale. And if Kaspi itself restricts participation, the promotion products are removed automatically.
Can I raise the price before a 0-0-24 promotion?
Not without a rise in purchase cost. Kaspi prohibits unjustified price increases both on the eve of a promotion and during it, and during a check it may ask for supplier documents. A violator is disconnected from the current promotion and kept out of the next ones.
How much must sales grow for a 0-0-24 promotion to pay off?
It depends on your profit per order, and it is better to calculate with the formula: profit ÷ (profit − fee increase × price) − 1. A 150,000 ₸ TV that brings in 13,185 ₸ pays off at +6% orders with a 0.5 pp rate increase. A 300,000 ₸ smartphone with a 6,000 ₸ profit will need growth of about a third.
Which products cannot be sold on 24-month installments on Kaspi?
Long installments are closed for everyday goods. Kaspi Guide lists masks, bandages and medicines, pet food and litter, baby food, household chemicals, toilet paper, shampoos, deodorants and other hygiene products. They cannot be sold for 12 and 24 months; check your category against the full list in the answer "Which products cannot be sold on installments".
Sources
All links checked Oct 17, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for clients. «На какой срок можно оформить Рассрочку от Kaspi.kz?» (For what term can I take Kaspi.kz Installments?) — https://guide.kaspi.kz/client/ru/installment/conditions/q16691 (updated Jan 12, 2026); «По Рассрочке будет переплата?» (Will there be an overpayment on Installments?) — https://guide.kaspi.kz/client/ru/installment/conditions/q16696 (updated Jul 4, 2024); «Что такое Рассрочка от Kaspi.kz?» (What are Kaspi.kz Installments?) — https://guide.kaspi.kz/client/ru/installment/conditions/q16684 (updated Jul 4, 2024); «Нужен ли первоначальный взнос?» (Is a down payment required?) — https://guide.kaspi.kz/client/ru/shop/conditions/q1262 (updated Aug 18, 2025)
- Kaspi Guide for partners. «На какой срок покупатель может оформить рассрочку в период акции?» (For what term can a buyer take installments during a promotion?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1750 (updated Jan 12, 2026)
- Kaspi Guide. «Почему в Магазине на Kaspi.kz поменялась комиссия за продажи?» (Why did the sales fee change in the Kaspi.kz Store?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q3734 (updated Jan 6, 2026); «Какая комиссия за продажи в Магазине на Kaspi.kz?» (What is the sales fee in the Kaspi.kz Store?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q1344 (updated Jan 6, 2026)
- Kaspi Guide. «Сколько стоит участие в акции Магазина?» (How much does taking part in a Store promotion cost?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1681 (updated Jan 6, 2026); «Что поменялось в расчёте комиссии акций с 5 января 2026 года?» (What changed in the promotion fee calculation from January 5, 2026?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q4591 (updated Feb 2, 2026)
- «Тарифы акций Магазина на Kaspi.kz 2026» (Kaspi.kz Store Promotion Fees 2026, PDF) — https://guide.kaspi.kz/cdn/content/pay/product/documents/Marketing/Tarify_Akciy_Magazina_na_Kaspi_kz_2026.pdf; «Тарифы Магазина на Kaspi.kz 2026» (Kaspi.kz Store Fees 2026, PDF) — https://guide.kaspi.kz/cdn/content/pay/product/documents/Magazin/Tarify_Magazina_na_Kaspi_kz_2026.pdf
- Kaspi Guide. «Что такое акции Магазина?» (What are Store promotions?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q3819 (updated Jul 24, 2025); «Как принять участие в акции?» (How do I take part in a promotion?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1676 (updated Feb 16, 2024); «Могу ли я отказаться от участия?» (Can I opt out?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1680 (updated Feb 16, 2024); «Я не участвую в акции. Почему?» (I am not in the promotion. Why?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q3503 (updated Dec 18, 2025)
- Kaspi Guide. «Можно поднять цены в период акции?» (Can I raise prices during a promotion?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1678 (updated Nov 21, 2024); «На сколько вырастут мои продажи в период акции?» (How much will my sales grow during a promotion?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1675 (updated Feb 16, 2024); «Как увеличить продажи во время акции?» (How do I increase sales during a promotion?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q3817 (updated Feb 5, 2025)
- Kaspi Guide. «Где узнать условия акций?» (Where can I find promotion terms?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1674 (updated Feb 5, 2025); «Где посмотреть календарь акций?» (Where can I see the promotion calendar?) — https://guide.kaspi.kz/partner/ru/marketing/campaign_shop/q1672 (updated Jul 12, 2024)
- Kaspi Guide. «Какие товары нельзя продавать в рассрочку?» (Which products cannot be sold on installments?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q4659 (updated Jun 9, 2026); «Я могу устанавливать двойные цены?» (Can I set dual prices?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q4170 (updated Oct 8, 2025); «Какие правила работы с Магазином на Kaspi.kz?» (What are the rules for working with a Store on Kaspi.kz?) — https://guide.kaspi.kz/partner/ru/shop/conditions/q1342 (updated Sep 30, 2026)
- Kaspi Guide. «Когда я получу деньги за продажи?» (When will I get the money for sales?) — https://guide.kaspi.kz/partner/ru/shop/returns/q1346 (updated Mar 27, 2026); «Запуск акции с бонусами влияет на расположение в списке продавцов?» (Does launching a bonus promotion affect the position in the seller list?) — https://guide.kaspi.kz/partner/ru/marketing/bonus_purchase/q4752 (updated Jul 27, 2026); «Сколько стоит Kaspi Доставка?» (How much does Kaspi Delivery cost?) — https://guide.kaspi.kz/partner/ru/shop/delivery/shipping/q2288 (updated Jun 16, 2026)
- BES.media. «В регионах Казахстана снизили налог по „упрощёнке“ на 2026 год» (Regions of Kazakhstan lowered the simplified regime tax for 2026), Dec 1, 2025 — https://bes.media/news/v-regionah-kazahstana-snizili-nalog-po-uproshyonke-na-2026-god/
Bota, analyst
SaleScout is our company's product. Kaspi and Kaspi.kz are trademarks of Kaspi.kz JSC; SaleScout is not affiliated with Kaspi.
