Kaspi Pay vs Expense Tracker
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kaspi Pay
Accept payments from millions of customers using QR codes, links, or invoices. This app offers a mobile POS, remote payment options, and integrates with online marketplaces. It also provides business tools like instant fund transfers, credit options, and tax management.
- Accept payments from 14 million Kaspi users
- Mobile POS functionality
- Remote payment via links and invoices
- Online store integration
- Instant fund transfers
- Business credit options
- Automated tax reporting
Read full descriptionHide full description
Kaspi Pay – бизнеске арналған қосымша. Kaspi Pay артықшылықтары: 1. 16 миллион сатып алушыдан төлем қабылдау. Кез келген Kaspi.kz клиенті сатып алған затының ақысын төлей алады. 2. Мобильді POS. Мобильді қосымшаның өзінен-ақ төлем қабылдай беруге болады. 3. Қашықтан төлеу. Клиенттер шот не сілтеме бойынша Kaspi.kz қосымшасынан төлей алады. 4. Smart POS. Kaspi Pay мобильді қосымшасынан алдыруға болады. 5. Kaspi Касса. 1 минутта онлайн қостырасыз, чектер автоматты түрде жасалады. 6. Ағымдағы шот. 5 минутта онлайн аштыруға болады. Сатылымнан ақша бірден шотқа түседі. 7. Kaspi Red және Kaspi Kredit арқылы сату. Сатылымды 30% арттырып, Kaspi QR науқандарына қосыла аласыз. Kaspi Kredit арқылы тұрақты зат сатып жүрген серіктестер Kaspi Жұмаға қатыса алады. 8. Kaspi.kz-тегі Магазин. Бүкіл Қазақстан аумағына жеткізіп онлайн тауар сату. 9. Бизнес Кредит. 24/7 ресімделеді, ақша бірден шотқа түседі. Комиссиясыз, айыппұлсыз мерзімінен бұрын өтеуге болады. 10. Салық. Бірнеше минутта салық есебін тапсырып, қолайлытүрде салық төлеу. Kaspi Pay - приложение для бизнеса. Преимущества Kaspi Pay: 1. Прием оплаты от 16 миллионов покупателей. Оплатить покупку может любой клиент Kaspi.kz. 2. Мобильный POS. Можно принимать оплату прямо в мобильном приложении. 3. Удаленная оплата. Клиенты могут платить по счету или ссылке в приложении Kaspi.kz. 4. Smart POS. Заказ в мобильном приложении Kaspi Pay. 5. Kaspi Касса. Бесплатное подключение онлайн за 1 минуту, автоматическое формирование чеков. 6. Текущий счет. Открыть счет можно онлайн за 5 минут. Деньги от продаж поступают на счет сразу. 7. Продажи с Kaspi Red и Kaspi Kredit. Увеличение продаж на 30% и доступ к Акциям с Kaspi QR. Партнеры, которые регулярно продают с Kaspi Kredit, могут участвовать в Kaspi Жұма. 8. Магазин на Kaspi.kz. Продажа товаров онлайн с доставкой по всему Казахстану. 9. Бизнес Кредит. Оформление 24/7, деньги сразу поступают на счет. Досрочное погашение без штрафов и комиссий. 10. Налоги. Удобная оплата и сдача отчета за несколько минут.
Expense Tracker
This app helps you understand where your money goes by tracking expenses and income. It offers features like multi-currency support, subscription tracking, and category budgets, all while prioritizing user privacy with data stored locally.
- Multi-currency support
- Subscription tracking
- Category budgets
- 100% privacy
- Lightning-fast entry
- CSV export
- Face ID / Touch ID protection
Read full descriptionHide full description
Where does your money actually go? Why is your account empty at the end of the month? Spendo gives you answers in seconds. A simple, private, and honest way to control your finances—no complexity, no bank connections, no third-party services. Why Spendo over other apps? - Multi-currency support — Track accounts in dollars, euros, rubles, tenge. Perfect for travelers and expats. - Subscription tracking — See all your recurring expenses (Netflix, Spotify, etc.) in one place. - Category budgets — Set limits for groceries, transport, entertainment. Watch your progress in real-time. - 100% privacy — Your data stays on your device. No servers, no tracking, no compromises. - Lightning-fast entry — Add an expense in 3 seconds. No forms, no extra steps. What's inside: - Unlimited expense and income categories - Recurring transactions (subscriptions, salary, rent) - Multi-currency accounts (USD, EUR, RUB, KZT, and more) - Category budgets and overall budget tracking - Analytics and charts by period - CSV export - Face ID / Touch ID protection - Dark mode - Works offline — no internet required With Spendo, you will: - Finally understand where every dollar goes - Stop wasting money on things you don't need - Save for what truly matters - Gain financial peace of mind - No complexity. No stress. No questions. Download Spendo and take control of your money today. Basic features are free. Premium unlocks everything.
Screenshots
Verdict
The clearest difference is in-app purchases: Kaspi Pay at none against Expense Tracker's 6. Kaspi Pay also leads on ratings volume (36 vs 6) and iOS requirement (15.5 vs 17.0). Expense Tracker's advantage is review sentiment (100% vs 67%) and rating (5.0 vs 4.8). On price, update cadence, ads and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Expense Tracker sells 6 in-app purchases, starting at $2.99 per month. Kaspi Pay asks for nothing beyond the download.
Expense Tracker holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Kaspi Pay has 36 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 67% of Kaspi Pay's written reviews are positive against 100% of Expense Tracker's.
Kaspi Pay ships an update weekly, Expense Tracker every 4 days. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.
| Parameter | Kaspi Pay | Expense Tracker |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (36 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 67.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 36 — better | 6 |
| Update frequency | Weekly | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.5 — better | 17.0 |
| Further details — not scored | ||
| Size | 185 MB | 99 MB |
| Age rating | 4+ | 4+ |
| Developer | Kaspi Bank АО | Akarys Turganbekuly |
Customer experience
Kaspi Pay
Expense Tracker
In-app purchases
Kaspi Pay
No in-app purchases
Expense Tracker
- Monthly plan$2.991 Month
- Annual Plan$8.991 Year
- Yearly plan$8.991 Year
Show 1 moreShow fewer
- Yearly plan7 Days trial$17.991 Year
- Lifetime Plan$14.99
- Lifetime Plan$29.99
Questions
Is Kaspi Pay free?
Is Expense Tracker free?
Which has better reviews, Kaspi Pay or Expense Tracker?
Do Kaspi Pay or Expense Tracker have ads?
Which is updated more often, Kaspi Pay or Expense Tracker?
Other comparisons
