Internet acquiring market of Kazakhstan 2025: trends, challenges and customer needs
In 2024–2025, the Kazakhstani online acquiring market is experiencing accelerated development, accompanied by new regulatory, legal and economic changes.
Economic trends
Cashless payments continue to grow actively: the share of cashless payments in retail turnover reached 65% by 2025, and the penetration rate of online payments is 75% of the population.
The growth of e-commerce is supported by an increase in the number of online stores, an expansion of the product range and the use of fintech solutions.
Competition among local and international payment services and marketplaces is intensifying, stimulating the introduction of new technologies and improving customer experience.
Regulatory and legal changes
The National Bank is implementing a card infrastructure localization program, the launch of which involves the creation of a single interbank environment for online payments and the introduction of the "digital card (payment ID)" tool. This will ensure transparency of operations and reduce the cost of acquiring.
In 2025, an updated tax administration system (ITAS) will be launched, as well as new requirements for the integration of online cash registers, POS terminals and electronic reporting via ERP systems for compensation control and tax accounting of online acquiring transactions.
Control over financial flows and the fight against monopolization of the payment market are being strengthened (a project to create a "single payment/accounting operator" - ESU is being created and contested), which raises serious concerns among fintech companies and associations regarding fair competition.
Customer and business needs
Simple integration and omnichannel. Expectations for a seamless payment experience via any device, expansion of payment methods (mobile, QR, NFC), integration with cash registers and CRM.
Expansion of available services. Growing demand for convenient accounting services, automated reporting, sales analytics, control of tax liabilities and the ability to quickly scale.
Accessible and transparent support. Large and small businesses expect personal technical support and regular information about changes in tariffs or acquirer operating rules. Flexible solutions for different business categories. The need for individual offers for e-commerce, freelancers, service companies and developing marketplaces.
Processing.kz services are aimed at solving the most pressing problems of Internet acquiring for Kazakhstani businesses — from fast receipt of funds to high-quality support and advanced protection.
Integration and technical support
We offer ready-made "turnkey" integration solutions for stores and services of any complexity.
Technical support works promptly, SLA — 99.95%.
Functionality and multicurrency
Possibility of accepting payments worldwide: Visa, Mastercard, Maestro cards of any banks are supported.
Support for various currencies and international payment systems allows businesses to scale up and enter foreign markets.
Fraud and security
Processing.kz complies with all security requirements (PCI DSS certification, 3-D Secure support, SSL encryption), providing a high level of protection for all parties.
Modern anti-fraud mechanisms and regular updates of security standards are used to minimize the risks of fraud.
Processing.kz is a modern, convenient and secure Internet acquiring with fast payouts, working refunds and a real focus on business needs.