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Halyk Bank offers merchants a POS terminal in a smartphone. Convenience and benefit are the main advantages


1 September 2020, Almaty – Halyk Bank offers merchants, small and micro-businesses a convenient solution for accepting contactless payments on smartphones. It is Halyk Pos application (SoftPos based technology)

The Halyk Pos application, based on contactless payment technology, allows to turn an Android smartphone with NFC module* into a POS terminal without any additional devices. It is designed for small merchants to help them accept contactless payments using their smartphones. This solution makes electronic payments widespread in the trade and service network, allows outlets to increase the customer base and minimize the cost of connecting to acquiring services.

Gulsum Dushatova, Director of the Transactional Business Department at Halyk Bank: The Halyk Pos application is intended for micro and small businesses that are interested in reducing costs of cash payments, for example, collection costs, and are ready for more active non-cash payment acceptance. The new solution will facilitate business processes for merchants by expanding the contactless payment acceptance network, growing the customer base and reducing the cost of acquiring services. In turn, using contactless technologies, retail customers can pay quickly, conveniently and securely."

To accept payments through contactless payment technology, it is necessary to download the Halyk Pos application and sign an acquiring agreement with Halyk Bank. By installing the Halyk Pos application, which can completely replace the POS terminal, you will get access to all functionality of the contactless POS terminal without additional devices.

Main benefits

  • Smartphone instead of POS terminal, no need to buy additional equipment
  • Contactless payment acceptance 24/7
  • Payment by any bank cards and payments by smartphones
  • Detailed transaction reports
  • Compliance with payment acceptance legislation
  • Connection of customers of all banks


  • Acceptance of payments by any bank cards (Visa, Mastercard and Union Pay)
  • Acceptance of smartphone payments with Homebank Pay, Apple Pay, Samsung Pay and Garmin Pay
  • Cancellation and refund of payments
  • Sending electronic receipts
  • Viewing list and details of transactions

In turn, consumers - retail customers – get additional options and can pay for their purchases safely, quickly and easily using contactless cards, smartphones, as well as wearable NFC devices, such as smart watches, rings and bracelets.

*NFC, или Near field communication is a short-range wireless communication technology with which you can exchange data between devices.


JSC Halyk Bank is the leading financial group and the leading retail bank in Kazakhstan with the most extensive customer base and distribution network. The Bank is developing as a universal financial group, offering a wide range of services (banking, brokerage, insurance, leasing, and asset management) to its retail customers, small and medium-sized businesses and corporate customers. JSC Halyk Bank also operates in Russia, Georgia, Kyrgyzstan, Tajikistan and Uzbekistan. JSC Halyk Bank is a listed company whose securities are traded on the stock exchanges of Kazakhstan (KASE, AIX) and the UK (LSE).

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