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Kaspi.kz

Kaspi.kz

Kazakh Super-App Payments

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Free P2P, low merchant fees vs Custom
Features

0 shared

2 unique to Kaspi.kz · 5 unique to A-Pay
Regions

1 shared

5 unique to A-Pay
Pay methods

3 shared

4 unique to Kaspi.kz · 15 unique to A-Pay
On fees

Kaspi.kz publishes Free P2P, low merchant fees from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
7 features · 22 payment methods · 6 regions. We don't rank these — they're here for reference.
Kaspi.kz Kaspi.kz
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Free P2P, low merchant fees
Custom
Settlement
Time to receive funds
—
1–2 business days
Founded
2008
2021
Headquarters
Almaty, Kazakhstan
India
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
A-Pay leads (5 vs 2)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (18 vs 7)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Crypto Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Google Pay Unique
—
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Kaspi.kz is best when you...

Kazakh Super-App Payments
Need Instant Payout
Not available with A-Pay
Need Low Fees
Not available with A-Pay
View Kaspi.kz

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Kaspi.kz
Need High Risk Accepted
Not available with Kaspi.kz
Want coverage in Africa, Europe, Latin America, Middle East, Southeast Asia
Kaspi.kz doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Kaspi.kz and A-Pay?
Kaspi.kz is best for Kazakh Super-App Payments, while A-Pay is best for Global Multi-Currency Payment Gateway. Kaspi.kz charges Free P2P, low merchant fees and A-Pay charges custom pricing. They differ in supported features, regions, and payment methods.
Which is cheaper, Kaspi.kz or A-Pay?
Kaspi.kz charges Free P2P, low merchant fees while A-Pay charges custom pricing. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Kaspi.kz and A-Pay together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Kaspi.kz and A-Pay can complement each other.
How do Kaspi.kz and A-Pay differ in their focus?
Kaspi.kz is focused on Kazakh Super-App Payments, while A-Pay focuses on Global Multi-Currency Payment Gateway. They serve different market segments with different strengths.

Are you Kaspi.kz or A-Pay?

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