Kaspi Pay's «Закуп в Рассрочку» (Installment purchasing) lets you take goods from a supplier right away and pay for them over 14 days: there is no interest, just a 0.95% fee on the amount you pay the supplier, and the debt is repaid automatically every day from your sales through Kaspi Pay. It works only with suppliers connected to the «Платежи на Kaspi.kz» (Payments on Kaspi.kz) service. The 0.95% figure looks modest, but the annual effective rate that Kaspi itself states is 46%. Below we look at where that comes from and when buying this way still pays off.
In short
- The purchasing amount is from 20,000 to 100,000,000 ₸, the term is 14 days at 0%, and the fee is 0.95% per purchase. If you are late, a one-time penalty of 0.5% of the purchase amount is charged from the second day.
- Daily payment = debt ÷ 14. For a 280,000 ₸ purchase, 20,000 ₸ leaves via Kaspi Pay every day, starting the next day.
- Because of daily repayment, on average you use only a little over half the amount. That is why 0.95% for 14 days works out to exactly that 46% a year.
- Buying this way makes sense when the goods turn over faster than two weeks, or when without them you lose sales. The fee on 1,000,000 ₸ of purchases is 9,500 ₸.
- An important detail for a Kaspi.kz Store seller: you can repay from any sales through Kaspi Pay, but money for an order arrives only after it is delivered to the buyer.
How Installment purchasing works
The mechanics
Kaspi describes the product like this: a Kaspi Pay partner buys goods from a supplier right away and pays within 14 days with no overpayment (q3570, updated Dec 15, 2025). The head of the company gets the purchasing amount online in the Kaspi Pay app, and after that it can be used to pay suppliers of the "Payments on Kaspi.kz" service. Employees for whom you have set a limit can pay the same way.
The list of suppliers is in the app: My bank → Installment purchasing → «У кого можно закупать» ("Who you can buy from") (q3580, updated Nov 21, 2024). This is the first thing to check. If your supplier is not there, the product is useless to you, whatever the terms.
Terms
| Parameter | Value |
|---|---|
| Minimum purchasing amount | 20,000 ₸ |
| Maximum amount | 100,000,000 ₸ |
| Fee | 0.95% per purchase |
| Installment | 14 days, 0% |
| Late penalty | one-time 0.5% of the purchase amount from the second day overdue |
| Annual effective rate (ГЭСВ) | 46% |
Sources: q3590 (updated Feb 12, 2026) and q4139 (updated Nov 20, 2025). To get the amount you sign an agreement, also online in the same place (q3589). Your own terms (amount, term, fee and penalty) are shown in My bank → Installment purchasing → Terms (q3585).
How the supplier is paid
The sales clerk or cashier who receives the goods scans the QR code on the supplier's waybill and confirms the payment. The payment details fill in automatically and can be corrected if needed, and the receipt arrives in the «История» ("History") section of the Kaspi.kz app (q3602, updated Dec 9, 2025). A receipt with the bank's stamp is generated after each payment (q3591).
The supplier, for their part, also pays 0.95% of the sale amount, regardless of whether they were paid from a Kaspi Pay account, with Kaspi Gold or via Installment purchasing (q3597, updated Dec 3, 2025). This is useful to know when negotiating: for the supplier, your installment purchase costs no more than a regular payment.
Restrictions
You cannot withdraw cash from the purchasing amount; it is only for paying suppliers on the list (q3582). Kaspi Bonuses cannot be spent on installment purchases (q3595). On the other hand, the number of purchases per month is unlimited as long as you have available amount (q3594).
14 days or a month: conflicting wording
What changed on December 24, 2025
The term used to be 30 days. Kaspi writes that purchases from suppliers made before December 24, 2025 can be repaid within 30 days, while under the new terms it is 14 days (q4464, updated Dec 15, 2025). Anyone who did not sign the agreement on the changed terms cannot get a new purchase from December 24, 2025 (q4465). The old terms cannot be restored (q4463).
Where you can get confused
In the section on employee limits, the Kaspi Guide still describes the advantage "Buying on consignment: you can get goods right away and pay within a month" (q3598, updated May 30, 2025). That page was last updated before the terms changed. Go by the 14 days in the terms table and by what is shown in the "Terms" section of your app. If you plan turnover for a month and have to repay in two weeks, your cash will not add up as early as the first cycle.
Daily repayment
The formula
Repayment is automatic: a fixed amount is deducted from the account every day. Kaspi's formula (q3604, updated Aug 12, 2026):
Daily payment = total debt ÷ 14 days
The Guide gives an example for 140,000 ₸: 10,000 ₸ a day. The first deduction happens tomorrow, not in two weeks (q3612): you take the goods on Monday, and on Tuesday the first ten thousand leaves the till. When the last payment is closed, you get a message, and about five minutes later the amount is available for purchasing again.
Where the money comes from
Money is taken only from the current day's sales. If there is not enough, the amount is deducted as soon as a customer pays for a purchase. If there were no sales that day, the payment is not made that day, and the missed amount is deducted later, when sales come in; if they are still not enough, you have to deposit money and repay early (q3623, updated Dec 15, 2025).
For a Kaspi.kz Store seller there is a familiar trap here. Money for an order arrives in the Kaspi Pay account when the buyer has received the goods and the status has become «Выдан» ("Delivered") (q1346). Goods bought on installment start paying for themselves not on the day of purchase but when the first orders containing them reach buyers. For the first days, you will have to repay from revenue on other products.
Early repayment and arrears
You can repay one or all purchases early: My bank → Installment purchasing → «Погасить досрочно» ("Repay early"). The available amount is restored within 5 minutes by the amount deposited (q3584, updated Apr 30, 2026). Arrears are repaid only by paying the full purchase amount via the same button (q3627). The repayment history, with "daily" or "early" type, is in My Bank → Installment purchasing → History → Repayments (q3620).
And if you do not pay at all, it goes the way it does with any bank: penalties, deductions from the account, debt collectors, court, and a credit history with which you will get neither Business Credit nor a new purchase (q4169).
What a purchase costs: a calculation
Why 0.95% turns into 46%
Hypothetical example, not a client case: you took 280,000 ₸ worth of goods from a distributor. The fee is 2,660 ₸, and 20,000 ₸ a day will leave your till.
On the first day you owe the full 280,000 ₸; on the fourteenth, only 20,000 ₸. If you average the debt over fourteen days, it comes to 150,000 ₸, or 53.6% of the amount. You pay 0.95% of the whole amount, but on average you use half of it:
Annual rate ≈ fee ÷ average debt × 365 ÷ 14 = 2,660 ÷ 150,000 × 365 ÷ 14 ≈ 46%
That matches the annual effective rate in the Guide. So "0.95% with no overpayment" and "46% a year" are the same thing, just calculated differently.
Daily load
The main question before a purchase is whether your sales through Kaspi Pay can carry the daily payment. It is sensible to build in a 1.5× buffer for a bad day.
| Purchase amount | Fee 0.95% | Daily payment | Daily Kaspi Pay sales with a ×1.5 buffer |
|---|---|---|---|
| 140,000 ₸ | 1,330 ₸ | 10,000 ₸ | 15,000 ₸ |
| 280,000 ₸ | 2,660 ₸ | 20,000 ₸ | 30,000 ₸ |
| 700,000 ₸ | 6,650 ₸ | 50,000 ₸ | 75,000 ₸ |
| 1,400,000 ₸ | 13,300 ₸ | 100,000 ₸ | 150,000 ₸ |
If your daily inflows to the Kaspi Pay account are below the right-hand column, the purchase amount is too big for you. Remember that Store inflows arrive on delivery, not on payment.
When it pays off
You need to compare not with zero but with the alternative. If the supplier gives you two weeks of deferred payment for free, you do not need Installment purchasing. If the alternative is not buying at all and standing without goods for a week, we calculate the lost profit.
A purchase pays off if the profit on goods sold within 14 days is greater than 0.95% of the purchase amount
On 280,000 ₸ that is 2,660 ₸. Goods you sell at a 15% profit on cost cover the fee if at least 6.3% of the batch sells within two weeks: 2,660 ÷ (280,000 × 15%) ≈ 6.3%. The threshold is low. The real risk is not the fee but that the batch does not sell within 14 days and you have to pay from other money.
For scale: on 1,000,000 ₸ of purchases a month, the fee is 9,500 ₸. How many cycles you run does not matter: the fee is charged on every tenge purchased, not per cycle.
Employee limits and who can use it
Only the head of the company allocates money
Only the head of the company can allow an employee to pay via installment purchasing (q3601): My bank → Installment purchasing → «Разрешить оплату» ("Allow payment") → employee → «Изменить лимит» ("Change limit") (q3613). The employee gets a message in Kaspi.kz (q3608) and sees the rest of their limit in Messages → Installment purchasing (q3618). The permission stays in force until you cancel it yourself; if the employee needs more, they can request an increase (q3609).
A practical approach for a store with a goods receiver: a limit slightly above a usual delivery, not the full available amount. Revoking the permission after someone leaves is as mandatory as revoking access to the seller cabinet.
Amount and approval
You can increase the amount online: My bank → Installment purchasing → «Увеличить сумму для закупа» ("Increase purchasing amount"). The decision comes within a minute, and you can buy with the new amount after 5 minutes. You cannot decrease it (q3577). Kaspi, however, can: if you start accepting fewer payments through Kaspi Pay, your purchasing amount may go down (q3675).
Reasons for refusal (q3578, updated Nov 20, 2025): arrears at another bank (repay them and apply again after 10 days), too few Kaspi Pay sales, a poor credit history of the head of the company, outdated data on the founders of an LLP (ТОО). For the last case Kaspi lists the documents and requires the founder's share to be at least 25%. If your accounts are frozen, you cannot get a purchasing amount (q3624), and a purchase already taken can be repaid in the app with money above the frozen amount or at a branch cash desk by IIN or BIN (q3622).
Why a payment fails
Kaspi lists the reasons (q3584): not enough purchasing amount or employee limit, no internet, restrictions on the Kaspi Pay account, no money in the account for the 0.95% fee, or the partner is on the National Bank's anti-fraud center list. The point about the fee is often missed: the installment itself is there, but the 2,660 ₸ is not in the account, and the payment to the supplier fails.
Common mistakes with Installment purchasing
- Planning turnover for a month. Since December 24, 2025 the term has been 14 days, and the old wording "within a month" can still be found in the Guide. A mistake in the term doubles the daily payment compared with what you expected.
- Not checking the supplier list. It works only with "Payments on Kaspi.kz" suppliers. If yours is not there, neither the amount nor the terms will help.
- Buying a batch that will not sell within two weeks. The fee is low, but the daily payment will have to come from other money. On a 1,400,000 ₸ purchase that is 100,000 ₸ a day.
- Forgetting money for the fee. Without 0.95% in the Kaspi Pay account, the payment to the supplier will fail even if the purchasing amount is available.
- Giving an employee a limit for the full amount. The permission has no expiry. A limit sized to a usual delivery caps the damage from a mistake or abuse.
- Letting even one day go overdue. From the second day, a one-time penalty of 0.5% of the purchase amount is charged: on 280,000 ₸ that is 1,400 ₸, more than half the fee, plus a risk to your credit history.
- Treating 0.95% as "almost free". In annual terms it is 46%. For two-week turnover that is acceptable; for goods that sit for months, it is not.
Checklist before an installment purchase
- Your supplier is on the "Who you can buy from" list.
- The "Terms" section in the app says 14 days, and your sales plan is built around it.
- Daily inflows to the Kaspi Pay account cover the daily payment with a buffer.
- You have allowed for Store order revenue arriving after delivery to the buyer.
- The Kaspi Pay account has money for the 0.95% fee.
- Employee limits are set to a usual delivery.
- It is clear how to repay early if sales go faster.
- Receipts are saved for the accountant.
Item three matters most. If the daily payment is larger than your usual daily revenue, the installment turns into topping up the account from your own pocket every day.
How to automate pricing so the batch sells within 14 days
Installment purchasing works exactly when goods sell faster than the debt is repaid. In the Kaspi.kz Store, sales speed largely depends on your place in the product card. The SaleScout Kaspi bot (a repricing 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 their 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 Kaspi Pay Installment purchasing
How much does Kaspi Pay Installment purchasing cost?
A 0.95% fee on the amount you pay the supplier, with no interest. On a 280,000 ₸ purchase that is 2,660 ₸; the annual effective rate according to Kaspi is 46%.
What is the term for Installment purchasing?
Two weeks. It used to be a month, and that remains only for purchases made before December 24, 2025, so plan new purchases around 14 days.
How is Installment purchasing repaid?
Automatically every day from sales through Kaspi Pay, starting the next day. The daily payment is the debt divided by 14: for 140,000 ₸ that comes to 10,000 ₸ a day.
What happens if there were no sales that day?
That day's payment is not deducted right away; it will be taken from future sales. If they are not enough, top up the account and repay early, otherwise from the second day overdue a 0.5% penalty on the purchase amount is charged.
Which suppliers can I buy from on installment?
Only those connected to the "Payments on Kaspi.kz" service. The list is in Kaspi Pay: My bank → Installment purchasing → «У кого можно закупать».
Can an employee pay via Installment purchasing?
Yes, if the head of the company sets them a limit in the «Разрешить оплату» section. The limit stays in force until the head cancels it, and the employee can ask for an increase.
Why was I not approved for Installment purchasing?
Most often it is arrears at another bank: close them and apply again after 10 days. Other reasons are too few payments through Kaspi Pay, the credit history of the head of the company, and for an LLP it happens that the bank has old founder data, in which case you are asked to come to a branch with documents.
Sources
All links checked Oct 22, 2026. The sources are in Russian; original titles are given with English translations.
- Kaspi Guide for partners, "Installment purchasing". «Что такое Закуп в Рассрочку от Kaspi Pay?» (What is Installment purchasing from Kaspi Pay?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3570 (updated Dec 15, 2025); «Какие условия у Закупа в Рассрочку…?» (What are the terms?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3590 (updated Feb 12, 2026); «Какая годовая эффективная ставка вознаграждения…?» (What is the annual effective rate?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q4139 (updated Nov 20, 2025); «…надо заключать договор?» (Do I need to sign an agreement?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3589 (updated Nov 20, 2025); «Где… посмотреть условия…?» (Where can I see the terms?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3585 (updated Nov 20, 2025)
- Kaspi Guide, "Installment purchasing". «Что можно закупать в рассрочку…?» (What can be bought in installments?) — https://guide.kaspi.kz/partner/ru/installment/shopping/q3580 (updated Nov 21, 2024); «Сколько раз в месяц…?» (How many times a month?) — https://guide.kaspi.kz/partner/ru/installment/shopping/q3594 (updated Nov 20, 2025); «…потратить Kaspi Бонусы…?» (Spend Kaspi Bonuses?) — https://guide.kaspi.kz/partner/ru/installment/shopping/q3595 (updated Nov 20, 2025); «…как мне получить квитанцию…?» (How do I get a receipt?) — https://guide.kaspi.kz/partner/ru/installment/shopping/q3591 (updated Nov 20, 2025); «Я не могу закупить товар в рассрочку… Почему?» (I cannot buy on installment. Why?) — https://guide.kaspi.kz/partner/ru/installment/shopping/q3584 (updated Apr 30, 2026); «Можно снимать деньги…?» (Can I withdraw money?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3582 (updated Nov 20, 2025)
- Kaspi Guide, "Installment purchasing". «…старые рассрочки тоже нужно погасить за 14 дней?» (Do old installments also have to be repaid in 14 days?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q4464 (updated Dec 15, 2025); «Можно вернуть старые условия…?» (Can the old terms be restored?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q4463 (updated Dec 15, 2025); «…Я могу не подписывать соглашение?» (Can I not sign the agreement?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q4465 (updated Dec 15, 2025); «Что значит «Разрешить оплату»…?» (What does "Allow payment" mean?) — https://guide.kaspi.kz/partner/ru/installment/limit/q3598 (updated May 30, 2025)
- Kaspi Guide, "Installment purchasing". «Как погашается Закуп в Рассрочку…?» (How is it repaid?) — https://guide.kaspi.kz/partner/ru/installment/repayment/daily_repayment/q3604 (updated Aug 12, 2026); «С какого момента начинается списание…?» (When do deductions start?) — https://guide.kaspi.kz/partner/ru/installment/repayment/daily_repayment/q3612 (updated Oct 2, 2024); «Что будет… в день, когда у меня нет продаж…?» (What happens on a day with no sales?) — https://guide.kaspi.kz/partner/ru/installment/repayment/daily_repayment/q3623 (updated Dec 15, 2025); «У меня есть просрочка… Как ее погасить?» (I have arrears. How do I repay them?) — https://guide.kaspi.kz/partner/ru/installment/repayment/daily_repayment/q3627 (updated Oct 2, 2024); «Что будет, если не внести… платеж вовремя?» (What happens if I don't pay on time?) — https://guide.kaspi.kz/partner/ru/installment/repayment/daily_repayment/q4169 (updated Oct 6, 2025); «Где… найти информацию о погашении…?» (Where can I find repayment information?) — https://guide.kaspi.kz/partner/ru/installment/history/q3620 (updated Oct 2, 2024)
- Kaspi Guide, "Installment purchasing". «Как принимать оплату за товары по Kaspi QR на накладной?» (How to accept payment via Kaspi QR on a waybill?) — https://guide.kaspi.kz/partner/ru/installment/payments/q3602 (updated Dec 9, 2025); «Сколько стоит прием оплаты в сервисе «Платежи»… для поставщиков?» (What does accepting payment in the "Payments" service cost suppliers?) — https://guide.kaspi.kz/partner/ru/installment/payments/q3597 (updated Dec 3, 2025)
- Kaspi Guide, "Installment purchasing". «Кто может разрешить оплату… сотруднику…?» (Who can allow an employee to pay?) — https://guide.kaspi.kz/partner/ru/installment/limit/q3601 (updated May 30, 2025); «Как изменить лимит…?» (How do I change the limit?) — https://guide.kaspi.kz/partner/ru/installment/limit/q3613 (updated Nov 21, 2024); «Как сотрудник узнает…?» (How will the employee know?) — https://guide.kaspi.kz/partner/ru/installment/limit/q3608 (updated Nov 21, 2024); «…какая часть лимита теперь доступна…?» (What part of the limit is available now?) — https://guide.kaspi.kz/partner/ru/installment/limit/q3618 (updated Nov 21, 2024); «Я разрешил сотруднику оплату…» (I allowed an employee to pay) — https://guide.kaspi.kz/partner/ru/installment/limit/q3609 (updated Nov 21, 2024)
- Kaspi Guide, "Installment purchasing". «Я могу изменить сумму…?» (Can I change the amount?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3577 (updated Dec 24, 2024); «Сумма… уменьшилась. Почему?» (The amount decreased. Why?) — https://guide.kaspi.kz/partner/ru/installment/conditions/q3675 (updated Oct 22, 2024); «Мне не одобрили… Почему?» (I was not approved. Why?) — https://guide.kaspi.kz/partner/ru/installment/receive/q3578 (updated Nov 20, 2025); «На мои счета… наложен арест. Я могу получить сумму…?» (My accounts are frozen. Can I get the amount?) — https://guide.kaspi.kz/partner/ru/installment/arrest/q3624 (updated Nov 21, 2024); «…Как я могу погасить…?» (How can I repay?) — https://guide.kaspi.kz/partner/ru/installment/arrest/q3622 (updated Aug 21, 2026)
- Kaspi Guide. «Когда я получу деньги за продажи в Магазине на Kaspi.kz?» (When will I get money for Kaspi.kz Store sales?) — https://guide.kaspi.kz/partner/ru/shop/returns/q1346 (updated Mar 27, 2026)
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