Kazakhstan
Kazakhstan Is Building Central Asia's Most Advanced Payment Ecosystem
Kazakhstan has become the financial powerhouse of Central Asia, combining widespread digital payment adoption with one of the region's most sophisticated fintech ecosystems. Today, 98% of retail transactions are cashless by volume, while local payment methods, super apps and digital wallets dominate everyday commerce.
The market is now entering its next stage, shifting from platform leadership toward interoperability. The rollout of a unified QR infrastructure and expanding instant payment capabilities are creating a more connected ecosystem for banks, PSPs and merchants.
Through one API, 8B enables businesses to connect to Kazakhstan's leading local payment methods, unified QR infrastructure and cross-border payment ecosystem.
Cross-Border Payment Infrastructure for Global Growth
Local Payment Infrastructure
Connect to local payment methods, bank transfers and digital wallets through a single API. Expand into new markets faster with regulated cross-border payment infrastructure.
Payments & Payouts
Accept customer payments, automate partner payouts and simplify global money movement through regulated fintech infrastructure.
Industries We Support
Supporting e-commerce, travel, gaming, marketplaces, financial institutions, PSPs and fintech companies expanding into new markets.
One API
Launch new markets faster without building separate local payment integrations. Reduce operational complexity while improving payment acceptance and customer experience.
Expand into new markets with regulated cross-border payment infrastructure. 8B connects businesses to local payment methods, national QR networks, bank transfers and digital wallets through a single API, helping businesses launch faster while reducing integration complexity.
Offer customers the payment methods they already know and trust.
Supported Payment Methods
Halyk QR is a QR payment method connected to Halyk Bank, one of Kazakhstan’s largest financial institutions. It enables customers to make QR-based payments through local banking infrastructure, supporting a payment flow that is familiar to Kazakh consumers. For merchants operating in Kazakhstan, Halyk QR provides access to bank-backed QR payments and helps improve local checkout acceptance without relying only on international card networks.
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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
Built for Developers
Modern APIs, clean documentation and rapid integration.
Built for Finance Teams
Automated reconciliation, transparent reporting and streamlined settlements.
Built for Customers
Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.
