First month – free of charge

“Groceries” Option for Your Business

The most competitive acquiring rates for groceries’ owners

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"Groceries” Option Benefits

Free and unlimited KZT transfers

External KZT transfers are processed free of charge and without limits, making them convenient for transactions with partners and suppliers

The most competitive card fees across all banks in Kazakhstan

Unified rates for cards issued by all banks in Kazakhstan, with no additional conditions

Forget transaction fees when using our POS terminal

Accept payments free of charge within your monthly turnover limit

Continue to enjoy the option free of charge even after the trial period ends, simply by accepting payments via our bank’s POS terminal

Who the “Groceries” option is for

All types of grocery businesses – from small neighborhood shops to large hypermarket chains

Grocery chain

For all minimarkets, supermarkets, and hypermarkets

Grocery retail outlets

For all minimarkets, supermarkets, and hypermarkets

More Benefits with the “Groceries” Option

Optimal+

With “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

Turnover up to KZT 1,000,000:
For individual entrepreneurs – 0%
For legal entities – 0%

Turnover above KZT 1,000,000:
For individual entrepreneurs – 0.5%
For legal entities – 1.0%

Payments in KZT

Free of charge

Free-of-charge basis criteria

POS terminal turnover from KZT 2,500,000 or ADB from KZT 2,500,000

Option fee

First month – free of charge

Thereafter — 0 KZT subject to conditions

Activate the option

Optimal+

Without “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

For individual entrepreneurs – 0.7%
For legal entities – 1.1%

Payments in KZT

100 payments – free of charge, thereafter– 300 KZT per payment

Premium

With “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

Turnover up to KZT 2,500,000:
For individual entrepreneurs – 0%
For legal entities – 0%

Turnover above KZT 2,500,000:
For individual entrepreneurs – 0.3%
For legal entities – 0.9%

Payments in KZT

Free of charge

Free-of-charge basis criteria

POS terminal turnover from KZT 10,000,000 or ADB from KZT 10,000,000

Option fee

First month – free of charge

Thereafter — 0 KZT subject to conditions

Activate the option

Premium

Without “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

For individual entrepreneurs – 0.5%
For legal entities – 1.0%

Payments in KZT

200 payments – free of charge, thereafter– 250 KZT per payment

Ultra

With “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

Turnover up to KZT 5,000,000:
For individual entrepreneurs – 0%
For legal entities – 0%

Turnover above KZT 5,000,000:
For individual entrepreneurs – 0%
For legal entities – 0.8%

Payments in KZT

Free of charge

Free-of-charge basis criteria

POS terminal turnover from KZT 25,000,000 or ADB from KZT 25,000,000

Payments in KZT

Free of charge

Thereafter — 0 KZT subject to conditions

Activate the option

Ultra

Without “Groceries” option

Merchant acquiring
(For individual entrepreneurs: up to KZT 45,000,000)

For individual entrepreneurs – 0%
For legal entities – 0.9%

Payments in KZT

1,000 payments – free of charge, thereafter– 200 KZT per payment

How to activate the “Groceries” option

1

Submit an application

Provide your details
2

Wait for a manager’s call

We’ll contact you to confirm the details
3

Activation completed

First month – free

Submit an application Submit an application

Check if your business is eligible

Enter your details to see if your business qualifies for the Groceries option

CCEA

This field must be completed!

MCC Code

This field must be completed!

I don’t have an MCC code

Option unavailable

This type of business does not qualify for the Groceries option

Go to request

Reduced fees are not available

The Groceries option can be activated, but your MCC code does not qualify for reduced acquiring fees

Go to request

The Groceries option is available

Enjoy the lowest merchant acquiring fees!

Go to request

Supporting Your Business Growth

POS terminal

Accept payments without commission

Activate

Credit limit

Forget about cash gaps – the higher your turnover, the higher your limit

Activate

More

Business card

Linked to your business account, pay suppliers directly

Open card

More

Accept online payments

Accept payments in any convenient format – no cash register or terminal required

More

UMAG

This all-in-one solution includes an online cash register, inventory management, product tracking, stock control, and a payment terminal. Best suited for: retail stores, pharmacies, and supermarkets

Activate

Leave a request for a consultation on connecting to the “Groceries” solution

Company name

IIN/BIN

Phone Number**

I confirm my consent to the collection and processing of data, including the report from LLP 'First Bureau' and the State Database of Legal Entitites

I agree to the collection and processing of personal data

Bastau
For new bank clients, up to 2 months of service
Amount	up to 3,000,000 ₸
Term	up to 30 days
Interest rate	23.5% (APR 26.21%)
Withdrawals and transfers	not allowed
Standart
For existing bank clients
Amount	up to 250,000,000 ₸
Term	up to 30 days
Interest rate	23.5% (APR 26.21%)
Withdrawals and transfers	4% commission of the amount

Card type	Visa Business (unnamed)
Issuance time	5 minutes
Issuance of additional cards	Available
Currency	KZT, USD, EUR, RUB
Card issuance	2,000 ₸
Card maintenance	0 ₸
Credit to card/account	0 ₸
Card top-up via IPT/ATM
Standard	up to 1 million ₸ per month – 0 ₸ above – 0.2% of the amount, minimum – 200 ₸
Free / Optimal+ / Premium / Ultra package	0 ₸* * according to the service tariff package
Cash withdrawal at ATMs in Kazakhstan and abroad
Standard	up to 1 million ₸ per month – 0 ₸ above – 0.4% of the amount, minimum – 400 ₸
Free package	0 ₸
Optimal+ package	up to 2 million ₸ per month – 0 ₸ above – 0.4% of the amount, minimum – 400 ₸
Premium package	up to 5 million ₸ per month – 0 ₸ above – 0.4% of the amount, minimum – 400 ₸
Ultra package	0 ₸
Service at retail and service outlets	0 ₸
SMS notification	0 ₸