# Kaspi

> Kaspi is the largest fintech group in Kazakhstan, with a market value exceeding $18 billion and 15 million users.

Kaspi was founded in 2002 and is headquartered in Almaty. It is the largest fintech group in Kazakhstan, with a market value exceeding $18 billion and 15 million users.

## Properties

The following table lists the product properties supported by Kaspi:

| **Payment type** | Digital wallet | Digital wallet | Digital wallet |
| --- | --- | --- | --- |
| **Funding source** | Bank account | Bank account | Bank account |
| **Acquirer** | AntomSG, AntomHK, AntomEU, AntomUK, AntomUS | **Merchant entity location** | SG, HK, EEA, UK, US |
| **Payment flow** | Redirect/Code scanning | **Refund** | ✔️ |
| **Buyer country/region** | Kazakhstan | **Partial refund** | ✔️ |
| **Processing currency** | KZT | **Chargeback/Dispute** | ❌ |
| **Minimum payment amount** | 0.01 KZT | **Refund period** | 365 days |
| **Maximum payment amount** | 1,000,000 KZT | **Time to return payment result** | Real-time |
| **Maximum payment amount** | 1,000,000 KZT | **Default timeout** | 10 minutes |

## User experience

> **Note**: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following figures show the journey of paying with Kaspi:

#### Tab: Web (Code scanning)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/d9977619-1bdd-49ad-88ad-e696a65ffe5c.png)

1.  The buyer selects Kaspi to pay.
2.  The buyer is redirected to the Antom page, where the QR code is displayed.
3.  The buyer opens the Kaspi.kz app to scan the QR code.
4.  The buyer completes the payment and views the payment result in the Kaspi.kz app.
5.  The buyer is redirected back to the merchant result page.

#### Tab: App (Redirect)

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/4aa85649-6480-4b1b-bbb0-29416d745bea.png)

1.  The buyer selects Kaspi to pay.
2.  The buyer is directed to the Kaspi.kz app to complete the authentication and confirm the payment.
3.  The buyer completes the payment.
4.  The buyer checks the payment result in the Kaspi.kz app.
5.  The buyer is redirected back to the merchant result page.

## Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

| **Supported online payments** | **Supported integrations** |
| --- | --- |
| One-time Payments | ✔️ [API-only](https://docs.antom.com/ac/cashierpay/apm_api.md) ❌ Hosted Checkout Page ❌ Embedded Checkout Page ❌ Web Element ❌ Mobile Element ❌ Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |

## Integration considerations

The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

### About _normalUrl_

-   When accepting payments from Kaspi in the Web terminal, you can choose whether to use _normalUrl_:

-   If choosing to use _normalUrl_, redirect your buyer to the address specified by _normalUrl_ and proceed the payment process as indicated in [User experience](#t0awl).
-   If choosing not to use _normalUrl_, you can directly render the _codeValue_ in the [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) API response on the merchant page to display the QR code or payment code, reducing page redirections and improving the payment experience.

-   For WAP and App terminals, _applinkUrl_ is returned in the response of the [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) API. The buyer is redirected to the address specified by _applinkUrl_. The redirected page will attempt to open the Kaspi.kz app and let the buyer complete the payment. If the buyer did not install the Kaspi.kz app, the redirected page will redirect the buyer to download the Kaspi.kz app.

### Code sample

The following code shows a sample of request and response messages in the [**pay (One-time Payments)**](https://docs.antom.com/ac/ams/payment_cashier.md) API:

#### Tab: Request sample

```json
{
    "env": {
        "terminalType": "WAP",
        "osTypoe": "IOS"
    },
    "order": {
        "orderAmount": {
            "currency": "SGD",
            "value": "100"
        },
        "orderDescription": "Kaspi Kz Payment",
        "referenceOrderId": "ORDER_20260126141012001",
        "buyer": {
            "referenceBuyerId": "referenceBuyerId001"
        }
    },
    "paymentAmount": {
        "currency": "SGD",
        "value": "100"
    },
    "paymentMethod": {
        "paymentMethodType": "KASPI_KZ"
    },
    "settlementStrategy": {
        "settlementCurrency": "SGD"
    },
    "paymentNotifyUrl": "https://www.kademo.xyz/nixs/app/notifySuccess",
    "paymentRedirectUrl": "https://www.kademo.xyz/nixs/index.html",
    "paymentRequestId": "PAYMENT_20260126141612922_AUTO",
    "productCode": "CASHIER_PAYMENT"
}
```

#### Tab: Response sample

```json
{
    "applinkUrl": "https://l.kaspi.kz/apm?codeValue=2816660400930m9F9gUlg0a3gn1kpWHv3kvD",
    "normalUrl": "https://open-sea-global.alipayplus.com/api/open/v1/ac/cashier/self/codevalue/checkout.htm?codeValue=2816660400930m9F9gUlg0a3gn1kpWHv3kvD",
    "orderCodeForm": {
        "codeDetails": [
            {
                "codeValue": "https://qr.alipayplus.com/2816660400930m9F9gUlg0a3gn1kpWHv3kvD",
                "displayType": "TEXT"
            },
            {
                "codeValue": "https://qr.alipayplus.com/showQrImage?code=2816660400930m9F9gUlg0a3gn1kpWHv3kvD&picSize=L",
                "displayType": "BIGIMAGE"
            },
            {
                "codeValue": "https://qr.alipayplus.com/showQrImage?code=2816660400930m9F9gUlg0a3gn1kpWHv3kvD&picSize=M",
                "displayType": "MIDDLEIMAGE"
            },
            {
                "codeValue": "https://qr.alipayplus.com/showQrImage?code=2816660400930m9F9gUlg0a3gn1kpWHv3kvD&picSize=S",
                "displayType": "SMALLIMAGE"
            }
        ],
        "expireTime": "2026-01-25T22:26:14-08:00"
    },
    "paymentActionForm": "{\"method\":\"GET\",\"paymentActionFormType\":\"RedirectActionForm\",\"redirectUrl\":\"https://l.kaspi.kz/apm?codeValue=2816660400930m9F9gUlg0a3gn1kpWHv3kvD\"}",
    "paymentAmount": {
        "currency": "SGD",
        "value": "100"
    },
    "paymentCreateTime": "2026-01-25T22:16:13-08:00",
    "paymentData": "{\"displayPaymentCurrency\":\"SGD\",\"wallets\":[{\"redirectionInfo\":{\"applinkUrl\":\"https://l.kaspi.kz/apm?codeValue=${codeValue}\",\"normalUrl\":\"https://open-sea-global.alipayplus.com/api/open/v1/ac/cashier/self/codevalue/checkout.htm?codeValue=${codeValue}\"},\"walletLogo\":{\"logoName\":\"KASPI_KZ\",\"logoUrl\":\"https://gw.alipay.com/icon/large/rectangle/KASPI_KZ.png\"},\"walletName\":\"KASPI_KZ\",\"walletBrandName\":\"Kaspi.kz\",\"enabled\":true}],\"displayPaymentAmount\":\"1.00\",\"codeValue\":\"2816660400930m9F9gUlg0a3gn1kpWHv3kvD\"}",
    "paymentId": "20260126194010800100188550244314856",
    "paymentRequestId": "PAYMENT_20260126141612922_AUTO",
    "redirectActionForm": {
        "method": "GET",
        "redirectUrl": "https://l.kaspi.kz/apm?codeValue=2816660400930m9F9gUlg0a3gn1kpWHv3kvD"
    },
    "result": {
        "resultCode": "PAYMENT_IN_PROCESS",
        "resultMessage": "payment in process",
        "resultStatus": "U"
    }
}
```