What the topic covers
The unified QR is an interbank mobile payments system: payment by QR code through any bank's app, transfers by phone number and shared infrastructure instead of the closed ecosystems of individual banks.
Unified QR in Kazakhstan
The unified QR is the showcase of the Interbank Mobile Payments System, which the National Bank of Kazakhstan launched through its operator, the National Payment Corporation. From 19 July 2026, connecting to the system became mandatory for banks: a shopper can scan a QR code at the checkout using any bank's app, and businesses no longer need a separate terminal for each ecosystem. The reform grew out of a dispute over market concentration — Kaspi and Halyk accounted for the overwhelming share of cashless payments — and its goal is to make the payment infrastructure shared and to lower the barriers to competition. This hub gathers material on the launch, participants, tariffs, regulation and consequences of the unified QR for the country's payment market.
🇰🇿 Market profile: KazakhstanKey metrics, companies and market newsWhat the unified QR in Kazakhstan ishow the system is built, who its operator is and what changes in the marketKazakhstan profilemarket, index, participants and country contextPaymentscards, transfers, QR and merchant infrastructureRegulationrules, licences and infrastructure changesFintech of Kazakhstanbroad cluster on banks, payments and infrastructurePayment systems of Central Asiathe regional frame of cards, instant payments and QR
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Why it matters to the market
The reform abolishes the "war of terminals" and dilutes the concentration under which the two largest ecosystems controlled most cashless payments. For businesses it means one tool for accepting payment instead of several; for shoppers it means the freedom to choose their bank.
What to track
The timelines and mandatory nature of banks' connection, acquiring tariffs and fees, transfer limits, anti-fraud rules, the regulator's stance and how the overhaul affects the share of Kaspi, Halyk and new players.
How the hub works
The page automatically pulls in published material on Kazakhstan where the QR-payments agenda appears and links it to the market's payment and regulatory feed.