Kaspi Pay for Instagram Shops: No Screenshots, No Fraud
Fake Kaspi receipts are costing Instagram sellers real money. Learn how to automate payments and eliminate screenshots for good.
Kaspi Pay and Instagram Commerce in Kazakhstan: How to Avoid Shipping for a Fake Receipt
Sunday, 11:47 PM. A new order lands in your DMs. The customer writes quickly: asks about sizes, inquires about delivery, haggles a little. Then they send a screenshot — a Kaspi transfer for the exact amount, your phone number, a green checkmark reading "Completed." It looks convincing. You pack the item and send a courier.
In the morning you open the Kaspi app. The money is not there. It never was.
This is not an isolated incident. It is a working scheme used by hundreds of scammers across Kazakhstan — precisely because Instagram sellers accept payment via screenshots. As long as a screenshot can serve as proof of payment, there will always be a way to forge one.
How Fake Kaspi Screenshots Are Made: The Facts Without the Technical Details
Kaspi.kz itself warns on its website: never trust screenshots — always verify incoming funds inside the app. The bank understands the scale of the problem. But where do these convincing fakes come from, convincing enough that sellers fall for them regularly?
There are three methods, and each is accessible to anyone:
Telegram bots for generating receipts. Dozens of bots are publicly available. You enter the amount, the recipient's name, the phone number, and the date and time. You receive a ready-made PNG file in 30 seconds. The cost ranges from 200 to 500 tenge per receipt, and some bots operate for free. The result is indistinguishable from a genuine screenshot at a casual glance.
Manual image editing. A real Kaspi transfer screenshot — your own or one found online — is taken and the numbers are simply changed in any image editor. Photoshop is not required: the built-in editor on iOS or Android handles it in a few minutes. A text layer is placed over the original figures, and the job is done.
AI generation. Modern neural networks have learned to reproduce mobile app interfaces with high accuracy. This is especially effective when the image is compressed or reduced in quality before sending — compression artifacts mask the imperfections of the generation.
The result looks the same in every case: a green checkmark, the correct amount, your phone number, a name like "Askar" or "Aigerim." Without verifying inside the Kaspi app, it is impossible to tell a real receipt from a fake — and that is exactly what scammers count on.
One documented case: a clothing seller in Almaty shipped goods worth ₸34,000 after receiving a screenshot showing a "confirmed" transfer. The money never appeared in the app. The buyer went silent, and the account blocked the seller. The police accepted the complaint, but the chances of recovering the money are minimal.
The Triangle Scheme: When the Money Arrives and Then Disappears
A fake screenshot is the simplest version of the fraud. There is a significantly more sophisticated scheme in which money genuinely arrives in your account — but is then taken back anyway.
How the triangle works:
The scammer operates with two victims simultaneously. Victim A is you, the Instagram seller. Victim B is another person whose card or Kaspi account credentials have been compromised.
The scheme unfolds in several steps. The scammer arranges a purchase with you, while simultaneously using Victim B's credentials to push a real payment for the agreed amount. The money lands in your account — it is real, and the transaction appears correctly in Kaspi. You ship the goods.
Some time later, Victim B discovers the unauthorized charge and files a complaint with Kaspi or their bank. The security team investigates, the transaction is deemed fraudulent, and the money is forcibly returned to Victim B — taken from your account.
The outcome: the goods are gone, the money has been lawfully clawed back to the aggrieved party, and you are left with neither goods nor funds. Legally you are not at fault, but in practice you are yet another victim of the scheme.
The only defense against the triangle is the same as against a fake screenshot: remove human payment confirmation from the process and receive the payment status directly from the payment system.
Why Manual Verification Breaks Down at 30+ Orders a Day
Suppose you understand the risks and work carefully: every time you receive a screenshot, you open Kaspi, find the transaction, and verify the amount, date, and name. This takes time — and more of it as the business grows.
Let's walk through the standard manual process for handling a single Instagram order:
- Receive the order in DMs
- Discuss the details: size, color, delivery address
- Dictate or type your phone number for the transfer
- Wait for the customer's screenshot
- Open the Kaspi app
- Navigate to the transaction history
- Find the relevant transaction by amount or date
- Verify the amount, sender name, date, and time
- Send the customer a confirmation
- Pass the order to fulfillment or delivery
Done carefully, this takes 2 to 3 minutes for the payment verification step alone — not counting the conversation and discussing the details.
The math:
- 20 orders/day × 2.5 min = 50 minutes a day just on payment verification
- 30 orders × 2.5 min = 75 minutes
- 50 orders × 2.5 min = 125 minutes — over two hours a day
Two hours a day, seven days a week, spent entirely on verifying payments. This is not time spent with customers, not packing orders, not growing the business — it is monotonous manual work that can be fully automated.
Add the overnight orders. A customer paid at 1:30 AM and is waiting for confirmation. You are asleep. The customer gets anxious, sends a follow-up, wonders whether they lost their money or whether you are a scammer. By 8:00 AM you have 15 unprocessed payments and several irritated messages. The first hour of your working morning goes to sorting through the overnight chaos.
At 40–50 orders a day, the manual process starts to break down — not because you are not trying hard enough, but because it was never designed for that volume.
AiPay: Screenshots Are Not Part of the Process at All
AiPay is a Kaspi Pay automation service for businesses in Kazakhstan. The fundamental difference from the manual approach is that the customer never sends you a screenshot. Not because you ask them not to — but because in the new process a screenshot is simply not needed and is not part of the flow.
Here is how the process looks with AiPay:
- The customer places an order in Instagram
- You (or your bot/CRM) create an invoice through AiPay — entering the customer's phone number and amount
- The customer receives a Kaspi push notification — a standard one, just like from any store or service
- The customer opens Kaspi and confirms the payment with a single tap
- Kaspi reports the payment status to AiPay directly
- AiPay sends a webhook to your endpoint or updates the status in the dashboard
- The order is automatically sent to processing
No screenshot. No "please wait while I check." No manual search for a transaction in the app. The payment status arrives programmatically — from Kaspi, not from the customer.
A webhook cannot be forged. The data source is the payment system itself, not a photo on a smartphone screen.
AiPay also closes another pain point: a fiscal receipt is generated automatically with every successful payment. This is a legal requirement under Kazakhstan tax law that many Instagram sellers either ignore or handle manually.
Before and After: A Process Comparison
| Step | Manual approach (current) | With AiPay | |---|---|---| | Sharing payment details | Seller dictates phone number in DMs | Not needed — number is taken from the order | | Waiting for payment | Customer makes a manual transfer and sends a screenshot | Customer taps "Pay" in the Kaspi push | | Verification | Seller opens Kaspi and manually searches for the transaction | Webhook arrives automatically within seconds | | Fraud risk | High: fake screenshot, triangle scheme | None — status comes directly from Kaspi | | Overnight orders | Queue up until morning, customers wait and grow frustrated | Processed automatically 24/7 | | Fiscal receipt | Must be issued separately or not at all | Generated automatically with every payment | | Time spent on verification | ~2.5 min × number of orders per day | Zero | | Scalability | Breaks down at 40–50 orders a day | Works at any volume |
Try It Free for 7 Days
Setup takes about an hour. No technical knowledge is required at the basic level — there is a dashboard for managing invoices manually. For those who want to fully automate via a Telegram or WhatsApp bot, a REST API is available.
The price after the trial period is ₸25,000 per month per terminal.
How to Connect AiPay to Your Instagram Shop: Step-by-Step
No technical knowledge is needed to get started. Four steps — and you can issue your first real invoice the same day.
Step 1. Register and activate your free trial
Go to aipay.kz and submit a request with your phone number. A manager will get in touch within an hour during business hours, walk you through the setup together, and answer any questions.
Step 2. Link your Kaspi terminal
AiPay connects to your Kaspi Pay business account. You will need your IIN/BIN and terminal number. The entire process happens through your personal account — no office visits, no paper forms.
Step 3. Choose your working format
There are two options:
- No-code dashboard — you manually enter the customer's phone number and amount, then click "Create Invoice." The customer receives a Kaspi push. Ideal for getting started without any technical integrations. Works from a browser on any device.
- API integration — for those who have a Telegram or WhatsApp bot or a CRM system. An invoice is created automatically when an order is placed, with no operator involvement. Documentation is available immediately after registration.
Step 4. Set up status notifications
In the dashboard, specify where to send notifications about successful payments and expired invoices: to an email address, a Telegram channel, or connect a webhook for integration with your system.
Step 5. Tell customers "I'll send you a Kaspi notification now"
Continue accepting orders in Instagram as usual. The only change in communication: instead of "transfer to this number," it's "you'll get a notification in Kaspi now." Most customers receive this well — they are used to Kaspi push notifications from stores and online services.
Learn more about the features available for Instagram shops on the Instagram shop solution page.
Frequently Asked Questions
Do I need a website or app?
No. AiPay works through a browser-based dashboard — open it on your phone or computer and issue an invoice in 10–15 seconds. A website or mobile app is only needed if you want to fully automate the process through the API.
What if the customer doesn't pay?
Invoices have an expiration time — a few hours by default. If the customer has not paid by then, the status automatically changes to "expired" and you receive a notification. No stuck transactions, no ambiguous states. You can reissue the invoice or simply cancel the order.
How are fiscal receipts handled?
Automatically. AiPay generates a fiscal receipt for every successful payment in compliance with Kazakhstan tax law requirements. No additional steps are needed — this is included in the subscription price.
Does AiPay work with WhatsApp and Telegram?
Yes. The service is not tied to any specific customer communication channel. Whether you take orders via WhatsApp, Telegram, Instagram, a website, or by phone — the invoice is created in the dashboard or through the API, and the customer receives a Kaspi push notification regardless of the channel.
Is it safe for the customer?
The customer pays the standard way through the official Kaspi app — exactly as they would with any other connected store or service. No third-party services, no card details entered on anyone else's side, no links to unknown websites.
Can it work with multiple shops?
Yes. Each terminal is billed separately — ₸25,000 per month per terminal. If you have multiple sales points or multiple Instagram accounts, each is connected as a separate terminal with independent management.
Summary
75% of Kazakhstan's population uses Kaspi Pay. Instagram is the primary sales channel for thousands of small businesses in the country. The intersection of these two facts created a convenient route for scammers: fake screenshots, triangle schemes, forged receipts.
Individually verifying every screenshot reduces the risk but does not eliminate it entirely — and it destroys productivity as order volumes grow. At 50 orders a day, you spend more than two hours just making sure the money actually arrived.
The only way to eliminate the risk entirely is to remove the screenshot from the process. AiPay does exactly that: the payment status comes directly from Kaspi, the customer confirms payment in their native app, and there is nothing to forge.
You get both protection and speed: overnight orders are processed without your involvement, 125 minutes of daily verification becomes zero, and fiscal receipts are generated automatically.
7 days free. Setup in 1 hour.