Joint Stock Co Kaspi.kz

Kaspi.kz operates a digital payments and fintech platform serving consumers and merchants across Kazakhstan, Azerbaijan, and Ukraine. The company provides payment processing infrastructure that enables both online and in-store transactions, peer-to-peer transfers, bill payments, and merchant services including invoicing and supplier payments. It also monetizes transaction data through analytics offerings that support business decision-making.

The company operates three primary business segments. Its Payments segment facilitates consumer-to-merchant and peer-to-peer transactions while providing merchant acquisition and payment acceptance tools. The Marketplace segment connects consumers with online and offline merchants through m-commerce, e-commerce, and travel booking services, with integrated delivery capabilities. The Fintech segment offers buy-now-pay-later products, consumer savings and finance offerings, and merchant financing services. The company also maintains operations in banking, distressed asset management, real estate, online travel, e-grocery, and classifieds.

Kaspi.kz was incorporated in 2008 and is headquartered in Almaty, Kazakhstan, with a regional presence across three countries in the post-Soviet space. The company operates as a public entity listed on Nasdaq and maintains significant scale within its geographic markets, though detailed financial and employment figures are not provided.