Kazakhstan
during 2025-2030
Popularity of e-commerce payment methods
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Halyk QR is a convenient and secure QR code payment method launched by Halyk, the largest state bank in Kazakhstan.
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Reasons for Popularity
Integration with a Digital Ecosystem: Halyk QR is part of Halyk Bank's broader digital ecosystem that includes a super app integrating banking services with lifestyle features like e-government services, travel, entertainment, and e-commerce.
Convenience and Security: Halyk QR allows customers to make non-cash payments easily by scanning a 2D QR code, which can be generated via various platforms such as Onlinebank, Halyk Pos, POS terminals, and Epay online acquiring.
Wide Availability and Support: Halyk QR supports payments from debit cards, corporate cards, and even bonuses, and it is accessible through multiple channels including mobile apps and physical POS terminals.
Kazakhstan’s banks predominantly issue Visa and Mastercard, with debit cards being the most common.
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Reasons for Popularity
Visa and Mastercard are widely accepted in Kazakhstan and globally, allowing cardholders to make purchases and withdraw cash abroad
The volume of non-cash transactions in Kazakhstan continues to rise, reflecting the growing preference for digital payments
Direct Carrier Billing (DCB) is a mobile payment method that allows users to charge purchases directly to their mobile phone bills, providing a convenient alternative to traditional payment methods like credit cards. In Kazakhstan, major telecom operators such as Aktiv, Kcell, Beeline, and Tele2 have adopted DCB to enhance user experience and expand payment options for digital goods and services.
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Reasons for Popularity
Accessibility: With many individuals unbanked or underbanked, DCB provides an essential payment solution that allows access to digital goods and services
Growing Digital Economy: The rise of digital consumption—particularly in gaming and streaming—has fueled the adoption of DCB as a preferred payment method due to its ease of use and security
Convenience: Users can pay for various services, including digital content, apps, and subscriptions, with a simple SMS confirmation process
QIWI Wallet is a prominent electronic payment service in Kazakhstan, part of the broader QIWI payment system, which operates across several countries. It provides users with a convenient platform for making payments and transferring money, leveraging a network of physical kiosks and online services.
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Reasons for Popularity
User-Friendly Interface: The QIWI Wallet app is designed for ease of use, enabling quick transactions and money transfers using only phone number. Convenience to make various payments, including utility bills, mobile top-ups, online purchases, and money transfers, all from a single platform
Accessibility: QIWI has established a robust infrastructure with over 30,000 payment points in Kazakhstan, making it easy for users to access services both online and through physical kiosks. A solution to individuals who may not have access to traditional banking services
Innovative Features: The introduction of virtual cards and partnerships with major financial institutions enhances user experience. For instance, QIWI was among the first to offer virtual cards in collaboration with Visa, allowing for secure online transactions
