A second store on Kaspi: can you open one, whose name to put it in, and when it pays off

In practice, a second store on Kaspi.kz means a second legal entity: another IP (individual entrepreneur) or LLP with its own BIN (business ID number), its own Kaspi Pay connection and its own 20 days of sales over two months before it can join the Magazin (the marketplace). Within one company, the Kaspi Guide (Kaspi's official help center) describes something else: as many points of sale and warehouses as you like, free additional accounts, and several brands, of which only one is shown in the Magazin at a time. Before opening a second store, check whether a second warehouse or a new city in the first store would solve your problem.

In short

• As of Oct 25, 2026, the Kaspi Guide has no ready answer to "how do I open a second Magazin store on the same BIN". It does answer questions about brands, points of sale and accounts within one company.
• A new IP or LLP goes through the whole path from scratch: Kaspi Pay, at least 20 days of sales over 2 months, and sales to yourself or your employees don't count.
• Under the contract, without Kaspi Magazin's written consent you may not use other partners' cabinets or give access to your cabinet to someone who has access to another partner's cabinet.
• If you have an IP on the simplified regime, your LLP won't be able to switch to the simplified regime.
• Restricted brands and categories won't open right away in a new store: they require 10 or more delivered orders a month.

What Kaspi allows within one company

Many sellers say "a second store" but mean one of three things: a second warehouse, a second city or a second storefront name. All of these can be done without a new company.

Warehouses and points of sale

You can create as many points of sale in Kaspi Pay as you like. Once there are 10 or more, Kaspi reviews the business, the answer comes within 1 working day, and if you're refused, you can try adding the point again after a month (q3382, updated Jan 8, 2026). If you have several warehouses in one city, «Моя доставка» (My delivery, the seller's own courier option) works for the city as a whole, and they share a coverage zone (q4980, updated Jun 1, 2026).

First conclusion: if you want to sell in Shymkent from a local warehouse, you don't need a second store. You need a Shymkent warehouse inside the current one. We described how to set this up in warehouse and pickup on Kaspi, and pricing for different cities in different prices by city on Kaspi.

Brands

In the Kaspi Pay app you can set up several brands. Brands can differ between points of sale and the Kaspi.kz Magazin, but you can't use several on the same channel at once (q4418, updated Dec 11, 2025). The brand customers see is chosen by the head or the «Управляющий» (Manager) in Профиль компании → Мой бренд (Company profile → My brand), and the new name and logo appear within 10 minutes (q4417, updated Jan 5, 2026).

So one company can have an offline children's goods shop and an online electronics storefront under a different name. Two different names in the Kaspi.kz Magazin at the same time — no. We wrote about choosing the name itself in store name on Kaspi.

Accounts

You can open as many additional accounts as you like; there's no limit (q1764, updated Jul 9, 2025). The head opens them: Мой Банк → «Открыть дополнительный счёт» (My Bank → Open an additional account), instantly, from 7:00 to 23:00 (q1763, updated Sep 16, 2026), and free of charge (q784, updated Jul 27, 2026). If the point of a second store is to see one line of business's money separately, a separate account for reserves and purchasing is sometimes enough.

When you really need a second store

A new company makes sense when the problem can't be solved with settings:

• A separate business with a partner. The partner puts in money and wants a share, while your first store has its own range.
• Different tax regimes. For example, one line runs on a low margin and is better off on the general regime.
• A different storefront in the Magazin. The first store's name and rating are tied to one niche, and you're entering a completely different one.
• Risk. You don't want mistakes in the new line to hit the rating and history of your main store.

If none of these applies to you, a second store will most likely add work, not sales.

How to open a second store: the path from scratch

Step 1. A new entity

You can't open a second IP for the same person: an IP is registered to an IIN (individual ID number). So there are two options: an LLP in which you're a participant, or an IP belonging to another person who will genuinely run this business. We covered how an IP differs from an LLP in taxes and liability in IP or LLP for selling on Kaspi.

Step 2. Kaspi Pay and 20 days of sales

No documents are needed to connect to the Magazin, but you must be a Kaspi Pay partner and sell with Kaspi Pay for at least 20 days within the last 2 months. Only the head of the new company connects (q1351, updated Dec 18, 2025). The day counter is shown on the app's home screen.

What counts: sales via Kaspi QR with Kaspi Gold, Kaspi Red+ and Kredit, from a Kaspi Pay account, by card and remotely, plus other banks' cards through Smart POS. Sales to yourself and your employees, and returns from customers, don't count (q3288, updated Apr 14, 2025). So the new company needs real buyers: an offline point, a showroom or sales via QR.

Step 3. If you're refused

Refusals happen if there are fewer than 20 days of sales or Kaspi Pay rules were broken. Kaspi may also refuse under its internal rules; the decision is individual (q1353, updated Apr 14, 2025). You can reapply after 1 month (q3289, updated Apr 23, 2024).

Step 4. Restricted brands and categories

A new store has no history. To get permission for a restricted brand or category, you need to deliver 10 or more orders within a month, on top of the documents (q4810, updated Mar 16, 2026). If you planned to move a brand you sell in the first store straight into the second, the first month will go to ordinary products. More in brand restrictions on Kaspi.

Access rules: where people most often go wrong

What the contract says

The Kaspi Magazin contract prohibits transferring rights and obligations under the contract to another person and letting anyone other than the partner's employees into the cabinet. It also says specifically: don't use the personal cabinets of other Magazin partners, and don't give access to your cabinet to third parties, including a person who has access to another partner's cabinet, without the Magazin's written consent (Kaspi Magazin contract, clause 5.2.15).

For two stores, this is the key clause. One manager working in both stores' cabinets without Kaspi's written consent is a breach of contract. If you plan a shared manager or a shared warehouse staffed by the same people, get consent first. We wrote about employee roles in store manager on Kaspi.

What a breach can lead to

The Magazin may suspend the contract, block the cabinet or terminate the contract if it believes the partner has broken the terms, and it doesn't have to explain why (clause 5.3.13). The same clause names another ground: no sales for more than three calendar months in a row. A second store opened "just in case" and then abandoned may lose its connection.

"A store in a relative's name"

A common scheme is to open an IP in the name of a wife, brother or mother and run it yourself. From the contract's point of view, the person managing the cabinet must be the head or an employee of that partner. From a tax point of view, remember Article 723: if you're a participant in an LLP on the simplified regime, your IP can't be on the simplified regime, and vice versa (Art. 723 of the Tax Code). A relative's IP doesn't fall under this rule, but then the income, taxes and liability are theirs, not yours.

Accounting: two stores, two sets of books

People remember this when the first half-year comes around. Each company has its own Kaspi Pay account, its own certificates of completed work and reconciliation statements, its own simplified declaration and its own payments. You can't move goods from one store's warehouse to the other's "just like that": between two entities, that's a sale, and it has to be documented. One company's money can't be spent on purchasing for the other without a loan agreement or payment against an invoice. How to download closing documents and reconcile the month is covered in Kaspi closing documents for sellers.

The math: a second store or expanding the first

Hypothetical example, not a client case. You want to add a new niche with turnover of 2,000,000 ₸ a month and a pre-tax margin of 15%. We compare the two paths over the first year. An IP on the simplified regime at the base rate of 4%.

Formula: remainder = revenue × margin − revenue × simplified rate − second IP's contributions. An IP's own contributions, calculated from one minimum wage, are 21,675 ₸ a month (per our article taxes for IPs on Kaspi in 2026).

The difference of about 700,000 ₸ in the first year is the price of a separate store: ramp-up time, the second IP's contributions and no history. We didn't account for the fact that revenue growth in the first store raises the risk of crossing the 43,250,000 ₸ annual VAT threshold. If you're already close to it, the math changes, and a second entity may turn out to be more profitable. That's a question for your accountant, not for a table.

When not to open a second store

• The goal is to sell in another city. That's solved with a warehouse in the first store.
• The goal is a second name. Only one company brand is visible in the Magazin at a time, and the second can be used offline.
• The goal is to take two spots in one product card. Your two companies will fight over the same buyer and undercut each other's price.
• There are no people. A shared manager for two cabinets requires Kaspi's written consent.
• The new company has no offline sales. Without them, you can't reach 20 days of sales through Kaspi Pay.

You can get a separate sales channel without a second Kaspi store: for example, through Halyk Market for sellers.

Common mistakes when opening a second store on Kaspi

• Assuming the second store opens inside the first store's cabinet. It's a new entity, a new BIN and a new connection.
• Building up the 20 days of sales by buying from yourself. Such sales don't count.
• Giving one manager access to two cabinets without consent. The contract prohibits this directly.
• Opening an LLP on the simplified regime while your IP is on it. Article 723 of the Tax Code doesn't allow it.
• Counting on restricted brands right away. You need 10 or more delivered orders a month.
• Abandoning the second store with no sales. More than three months without sales is a ground for blocking under the contract.
• Not counting the second IP's contributions. That's 260,100 ₸ a year even without sales, if income is calculated from one minimum wage.

Checklist: before a second store on Kaspi

1. You've defined a goal that a second warehouse, city or brand doesn't solve.
2. The form is chosen: an LLP or the IP of another person who actually runs the business.
3. The Article 723 rule has been checked for your IP and LLP combination.
4. There's a way to build up 20 days of real sales through Kaspi Pay.
5. It's decided who will be the head and the employees of the second store.
6. If the manager is shared, Kaspi Magazin's written consent has been obtained.
7. A year of operation has been calculated, including ramp-up and contributions.
8. The first month's range doesn't depend on restricted brands.
9. You've thought through how the two stores won't compete in the same cards.
10. Someone is responsible for sales so the store isn't idle for more than three months.

How to automate prices across two stores

Two stores means two sets of product cards, competitors and minimum prices, and it's easy to mix them up by hand. The SaleScout Kaspi bot checks prices every 20 seconds, keeps you at the top of the product card (the single shared listing where all sellers of an item compete) and never drops below the minimum price you set. When a competitor raises their price or leaves the card, the bot raises your price to just below the next seller. The bot also works with Halyk Market, and there's niche analytics for choosing the new store's niche. You can try the bot free for 7 days, no card required.

Frequently asked questions about a second store on Kaspi

Can I open two stores on Kaspi under one IP?

As of Oct 25, 2026, the Kaspi Guide doesn't describe this option. Within one company you can create many points of sale and warehouses, while one brand is shown in the Magazin at a time.

Whose name should the second store be in?

Another entity's: an LLP in which you're a participant, or the IP of a person who will run the business themselves. Keep in mind the Article 723 tax rule on the simplified regime.

How long does it take to connect a second store?

At least as long as it takes to reach 20 days of sales through Kaspi Pay within two months. Sales to yourself and your employees don't count.

Can one manager run both stores?

Under the Kaspi Magazin contract, a person who has access to another partner's cabinet may be given access to your cabinet only with the Magazin's written consent. Without consent, it's a breach.

Can I sell in a second city without a second store?

Yes. Add a warehouse in that city to your current store. You can create as many points of sale as you like; the review starts from the tenth.

Why can't I sell my brand in the second store?

Restricted brands and categories require documents and 10 or more delivered orders a month. A new store doesn't have that history yet.

What happens if the second store sits idle?

Under the contract, no sales for more than three calendar months in a row is one of the grounds for suspension or termination. If you don't need the store, it's better to close it deliberately.

Sources

All links checked Oct 25, 2026. The sources are in Russian; original titles are given with English translations.

1. Kaspi Guide. Points of sale — https://guide.kaspi.kz/partner/ru/profile/sales_point/q3382 (updated Jan 8, 2026); several warehouses in a city — https://guide.kaspi.kz/partner/ru/shop/delivery/own/q4980 (updated Jun 1, 2026)
2. Kaspi Guide. Several brands — https://guide.kaspi.kz/partner/ru/profile/brand/q4418 (updated Dec 11, 2025), https://guide.kaspi.kz/partner/ru/profile/brand/q4417 (updated Jan 5, 2026)
3. Kaspi Guide. Additional accounts — https://guide.kaspi.kz/partner/ru/account/opening/q1764 (updated Jul 9, 2025), https://guide.kaspi.kz/partner/ru/account/opening/q1763 (updated Sep 16, 2026), https://guide.kaspi.kz/partner/ru/account/opening/q784 (updated Jul 27, 2026)
4. Kaspi Guide. Connecting to the Kaspi.kz Magazin — https://guide.kaspi.kz/partner/ru/shop/connection/q1351 (updated Dec 18, 2025); which sales count — https://guide.kaspi.kz/partner/ru/shop/connection/q3288 (updated Apr 14, 2025); refusal — https://guide.kaspi.kz/partner/ru/shop/connection/q1353 (updated Apr 14, 2025); reapplying — https://guide.kaspi.kz/partner/ru/shop/connection/q3289 (updated Apr 23, 2024)
5. Kaspi Guide. Refusal for a restricted brand or category — https://guide.kaspi.kz/partner/ru/shop/goods/limit/q4810 (updated Mar 16, 2026)
6. «Договор с Kaspi Магазином 2026» (Contract with Kaspi Magazin 2026, PDF), clauses 5.2.15 and 5.3.13 — https://guide.kaspi.kz/cdn/content/pay/product/documents/Magazin/Dogovor-s-Kaspi-Magazinom-2026.pdf
7. Tax Code of Kazakhstan 2026, Art. 723 — https://buhgpt.kz/nk-rk-2026/statya-723 (checked Oct 25, 2026)
8. IP's own contributions and the VAT threshold — per the article taxes for IPs on Kaspi in 2026 (checked Oct 17, 2026)

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