Concept of a payment service for IT service exporters

A merchant-of-record service: it accepts card and wallet payments from 100+ countries and pays out revenue in tenge to a Kazakhstan company's account — no offshore entity needed.

100+buyer countries

1integration: checkout or SDK

KZTpayout to an account in Kazakhstan

01Challenge

A Kazakhstan company cannot directly open an account with popular international payment services. The usual workaround is a company abroad: maintenance costs, complex verification and the risk of account freezes — and the revenue never comes home.

02Solution

A merchant-of-record model: buyer taxes, KYB, chargebacks and fraud risk move to the service
One integration — checkout or SDK — to accept cards and wallets
Payouts in tenge with primary documents for currency control
A financial model: fee, acquiring, conversion, fraud, payouts and gross margin
An anti-fraud model as the key risk management tool

03Results

A concept, a market analysis based on official statistics and a financial model
An investor pitch deck for a fintech startup competition
A plan for negotiations with acquiring partners

Finance and banking

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