According to the Mastercard SME Confidence Index 2026 study, small and medium-sized enterprises in Kazakhstan use online payments at an 85% rate, with 47% of companies accepting mostly cashless payments.
More than half of Kazakhstani SMEs operate an omnichannel model, where customers interact with the business both offline and online. Sanzhar Zhamalov, Country Manager of Mastercard in Kazakhstan and Central Asia, noted that Kazakhstan is one of the most technologically advanced markets in the region. At the same time, 58% of Kazakhstani SME companies do not use business cards to track and analyze expenses.