Kaspi.kz Gold, Pay and mPOS Data API

Kaspi.kz суперприложение is JSC Kaspi Bank's consumer super-app for Kazakhstan, published on Google Play by Kaspi.kz. One Android client folds Kaspi Gold (including a kids Gold product), Kaspi Pay QR, Kaspi Shop, Kaspi Red, Kaspi Travel, Kaspi Депозит and a Kaspi Business till into the same home screen: users pay by scanning a Kaspi QR, send tenge to a phone number or IBAN, shop the marketplace, book leisure travel, and open Gold-card and family accounts, while merchants take QR sales, remote payment links and returns from the in-app mPOS. It is the country's main consumer-finance front, competing with Halyk, Forte and Freedom Bank apps for the same tenge wallets, and rates 4.46 across about 851 thousand Google Play reviews.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

• Fetch app settings map

  POST /v1/client/config/resolve opendata

  Loads the remote client-configuration document that maps named miniapp entries (transfer launch, QR generation, bank accounts) onto live URLs for the rest of the client.

  Auth: Optional Auth2.0 session after sign-in; anonymous clients still send platform, build, installId and locale so named miniapp URLs can resolve.

  • platform
  • build
  • userIdHash
  • installId
  • locale
  • userType
  • components
  • appSettingsVersion

  POST /v1/client/config/resolve HTTP/1.1
  Content-Type: application/json
  
  {
    "platform": "android",
    "build": 2160869,
    "userIdHash": "u-8f21",
    "installId": "inst-c91a",
    "locale": "ru",
    "userType": "client",
    "components": ["transfersMiniapp", "mposMiniapp", "mainMiniapp"],
    "appSettingsVersion": 7
  }

  {
    "platform": "android",
    "build": 2160869,
    "userIdHash": "u-8f21",
    "installId": "inst-c91a",
    "locale": "ru",
    "userType": "client",
    "appSettingsVersion": 7,
    "components": ["transfersMiniapp", "mposMiniapp", "mainMiniapp"]
  }

• Create IBAN transfer subscription

  POST /v1/transfers/iban/standing-orders openbanking

  Saves a reusable IBAN payout from a Kaspi Gold sourceAccount (productId, type, currency) to a targetAccount.iban, with transferAmount, feeAmount, knpId and note used by the transfers miniapp.

  Auth: Auth2.0 session after PIN or password login.

  • sourceAccount
  • productId
  • type
  • currency
  • targetAccount
  • iban
  • transferAmount
  • feeAmount
  • requisiteInputMethod
  • knpId
  • note
  • requestParams
  • dduDocumentNumber
  • subscriptionId

  POST /v1/transfers/iban/standing-orders HTTP/1.1
  Content-Type: application/json
  
  {
    "sourceAccount": {
      "productId": "gold-4412",
      "type": "Kaspi Gold",
      "currency": "KZT"
    },
    "targetAccount": {
      "type": "IBAN",
      "currency": "KZT",
      "iban": "KZ88999C000000000000"
    },
    "transferAmount": 15000.0,
    "feeAmount": 0.0,
    "requisiteInputMethod": "manual-iban",
    "knpId": 342,
    "note": "rent",
    "requestParams": {},
    "dduDocumentNumber": null
  }

  {
    "subscriptionId": "sub-77821",
    "sourceAccount": {
      "productId": "gold-4412",
      "type": "Kaspi Gold",
      "currency": "KZT"
    },
    "targetAccount": {
      "type": "IBAN",
      "currency": "KZT",
      "iban": "KZ88999C000000000000"
    },
    "transferAmount": 15000.0,
    "feeAmount": 0.0,
    "knpId": 342,
    "note": "rent"
  }

• Delete transfer subscription

  POST /v1/transfers/standing-orders/remove openbanking

  Removes a previously saved IBAN or phone-number transfer subscription by subscriptionId from the transfers miniapp list.

  Auth: Auth2.0 session after PIN or password login.

  • subscriptionId
  • status

  POST /v1/transfers/standing-orders/remove HTTP/1.1
  Content-Type: application/json
  
  {
    "subscriptionId": "sub-77821"
  }

  {
    "subscriptionId": "sub-77821",
    "status": "DELETED"
  }

• Load kids Gold product

  GET /v1/family/cards/junior openbanking

  Opens the kids Gold product row used by the family Gold flow: currency (KZT), productType (Kaspi Gold), masked cardNumber, clientName and clientStatus.

  Auth: Auth2.0 session after PIN or password login; kids Gold is gated on a linked family product.

  • currency
  • clientName
  • productType
  • cardNumber
  • clientStatus
  • clientStatusDesc
  • agreementText
  • processId
  • favouritePaymentId
  • transferId

  GET /v1/family/cards/junior HTTP/1.1
  Accept: application/json

  {
    "currency": "KZT",
    "clientName": "Алихан",
    "productType": "Kaspi Gold",
    "cardNumber": "4405 43** **** 2218",
    "clientStatus": "ACTIVE",
    "clientStatusDesc": "active",
    "agreementText": "",
    "processId": 900441,
    "favouritePaymentId": null,
    "transferId": 551002
  }

• Preview cashier receipt

  GET /v1/merchant/receipts/lookup openfinance

  Renders the cashier receipt addressed by extTranId, including orderNumber, amount, buyerIinBin, rfoCode, totalPrice and receiptUrl from the mPOS operation and KKM create-receipt models.

  Auth: Auth2.0 session or the extTranId issued to the cashier after a QR sale.

  • extTranId
  • id
  • orderNumber
  • orderRegDate
  • operationType
  • amount
  • isDebit
  • clientName
  • status
  • statusDesc
  • receiptUrl
  • rfoCode
  • totalPrice
  • receivedAmt
  • buyerIinBin
  • saleId
  • saleDeviceType

  GET /v1/merchant/receipts/lookup?extTranId=ext-441902 HTTP/1.1
  Accept: application/json

  {
    "extTranId": "ext-441902",
    "id": 441902,
    "orderNumber": "KKM-100284",
    "orderRegDate": "2026-10-16T14:22:01+05:00",
    "operationType": 1,
    "amount": "15000.00",
    "isDebit": true,
    "clientName": "Алия",
    "status": "SUCCESS",
    "statusDesc": "paid",
    "receiptUrl": "https://receipts.example.com/r/ext-441902",
    "rfoCode": "620100",
    "totalPrice": "15000.00",
    "receivedAmt": "15000.00",
    "buyerIinBin": "850101300123",
    "saleId": "sale-778",
    "saleDeviceType": "mPOS"
  }

• Return mPOS QR sale

  POST /v1/merchant/qr-sales/refund openfinance

  Starts a Kaspi QR refund for an mPOS sale, returning qrToken, qrReturnId, expireDate and sourceType (UNIFIEDQRACCOUNT) that the customer confirms on their Gold card.

  Auth: Auth2.0 merchant session inside the mPOS miniapp.

  • qrToken
  • status
  • qrReturnId
  • expireDate
  • paymentBehaviorOptions
  • sourceType
  • qrOperationId
  • amount

  POST /v1/merchant/qr-sales/refund HTTP/1.1
  Content-Type: application/json
  
  {
    "qrOperationId": 441902,
    "amount": "15000.00"
  }

  {
    "qrToken": "ret-2c18",
    "status": "WAIT_CUSTOMER",
    "qrReturnId": 99012,
    "expireDate": "2026-10-16T14:32:01+05:00",
    "sourceType": "UNIFIEDQRACCOUNT"
  }

• Public e-documents cabinet

  GET /v1/documents/government/cabinet opendata

  Opens the public-services electronic-documents cabinet used for government certificates and statements inside the super-app.

  Auth: Auth2.0 session; the public-services miniapp opens the cabinet after login.

  • locale
  • userType
  • clientName

  GET /v1/documents/government/cabinet HTTP/1.1
  Accept: application/json

  {
    "locale": "ru",
    "userType": "client",
    "clientName": "Алия"
  }

• Travel leisure catalog

  GET /v1/catalog/experiences opendata

  Loads the Kaspi Travel leisure catalog (experiences and tickets) that the Travel tile opens inside the super-app.

  Auth: Optional Auth2.0 session; anonymous browse still loads the leisure catalog.

  • locale

  GET /v1/catalog/experiences HTTP/1.1
  Accept: application/json

  {
    "locale": "ru"
  }

Data categories

• balances
• transfers
• transactions
• merchant-payments
• receipts

Where teams use this data

• IBAN subscription treasury

  A corporate treasury bot stores each saved IBAN payout (iban, transferAmount, feeAmount, knpId) and diffs subscriptionId rows when staff add or delete standing tenge transfers from Gold cards.

• Merchant QR settlement

  Acquiring ops join qrOperationId sales to cashier receipts (extTranId, buyerIinBin, totalPrice) and flag returns whose qrReturnId and expireDate never reach a confirmed status.

• Till receipt ledger

  A shop dashboard lists cashier Operation rows by orderNumber, amount and isDebit, then joins each receiptUrl/extTranId so owners can match QR take to fiscal slips without exporting a CSV from the till.

• Family Gold monitoring

  A family-finance product watches kids Gold rows (productType, cardNumber, clientStatus, transferId) and alerts a parent when the child product is detached or a new transferId appears.

Frequently asked questions

Related apps

• Progressive
• TradingView: Track All Markets
• Wallet: Budget Expense Tracker
• AndroMoney
• Angel One: Stocks, Mutual Fund
• Ria Money Transfer
• Taptap Send: Money Transfer
• telebirr

Apps similar to Kaspi.kz суперприложение

• Halyk SuperApp — Halyk SuperApp is JSC Halyk Bank's consumer app for Kazakhstan, covering phone-number and QR transfers, digital cards, bill payments, deposits and Halyk Market installments.
• Freedom SuperApp — Freedom SuperApp is Freedom Bank Kazakhstan's consumer app, combining payments and transfers with insurance policies, currency exchange, asset management and air-ticket purchase.
• ForteMobile — ForteMobile is ForteBank's retail app in Kazakhstan, used for cards, transfers and ForteMarket shopping (installment or credit) alongside the bank's loans and deposits.
• bcc.kz — bcc.kz is Bank CenterCredit's consumer app, with phone-number and card-to-card transfers, credit and debit cards, in-app cash loans and FX exchange.
• Home.kz — Home.kz is Home Credit Bank Kazakhstan's consumer app for online cash and installment loans, debit and credit cards, and commission-free phone-number transfers to other Kazakh banks.
• Eurasian Bank — Eurasian Bank's Android and iOS app is the bank's consumer front in Kazakhstan for account products, QR-code payments and in-app TOM/SPOT currency exchange.

More Banking apps

• 

  5paisa: Demat, Stocks & IPO

  Banking · 14 endpoints

• 

  AndroMoney

  Banking · 13 endpoints

• 

  Angel One: Stocks, Mutual Fund

  Banking · 13 endpoints

• 

  Bibit- Reksadana & Obligasi

  Banking · 14 endpoints

Topics

• Kaspi.kz API
• Kaspi Gold
• Kaspi Pay QR
• Kaspi mPOS
• IBAN transfer Kazakhstan
• buyerIinBin
• extTranId