Comparison

Kaspi Pay vs Spettle

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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 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.

About

Spettle

Features
Read full description

** Spettle – The Easiest Way to Split Any Restaurant Bill ** Turn group dining into a smooth, stress-free experience. Spettle combines fast receipt scanning with powerful bill-splitting tools, giving you an effortless way to divide costs among friends, family, or coworkers. Whether you’re out for dinner, brunch, drinks, or traveling with a group, Spettle helps everyone pay their fair share—without the math. ** Why People Love Spettle ** ** Lightning-Fast Receipt Scanner ** Take a photo of your restaurant receipt and Spettle automatically imports items, prices, taxes, and fees. Ideal for anyone looking for a reliable *bill splitter* or *receipt splitting app*. ** Accurate Item-By-Item Splitting ** Assign individual dishes, shared plates, and extras to each person. Perfect for users searching for *itemized bill splitters* or *check-splitting apps* that keep things fair. ** Automatic Tips, Service Charges & Fee Allocation ** Let Spettle handle proportional calculations so the total is divided correctly. Great for those needing a *tip calculator*, *group payment tool*, or *restaurant bill sharing app*. ** Clear Breakdown for Everyone ** Create a polished PDF summary of the full split and share it instantly with your group via text, email, or messaging apps—ideal for *expense tracking* or *group cost sharing*. ** Built for Any Group Setting ** Work dinners, birthdays, date nights, celebrations, road trips—Spettle simplifies payments in every scenario where multiple people need to settle up. ** Clean, Intuitive Design ** No clutter, no confusion. Just a reliable *bill splitting app* that gets the job done quickly and accurately. Stop guessing, stop calculating, and stop stressing at the end of a meal. Download Spettle and enjoy a smarter way to split restaurant bills—fast, fair, and effortless.

Screenshots

Kaspi Pay4 screens
Spettle4 screens

Verdict

The call

The clearest difference is ads: Kaspi Pay at none against Spettle's shown. Kaspi Pay also leads on update cadence (weekly vs every 3 weeks) and iOS requirement (15.5 vs 17.0). On price, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Kaspi Pay ships an update weekly, Spettle every 3 weeks. The most recent releases landed on October 20, 2026 and October 16, 2026 respectively.

Scorecard3 real differences · 7 level
Kaspi Pay versus Spettle: the parameters behind the verdict, then further details
ParameterKaspi PaySpettle
PriceFreeFree
Rating4.8 (36 ratings) — better—
Positive reviews67.2% of reviews—
Number of ratings36 — better—
Update frequencyWeekly — betterEvery 3 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.5 — better17.0
Further details — not scored
Size185 MB6 MB
Age rating4+4+
DeveloperKaspi Bank АОRobert Taylor

In-app purchases

None

Kaspi Pay

No in-app purchases

None

Spettle

No in-app purchases

Questions

Is Kaspi Pay free?
Kaspi Pay is free to download, with no in-app purchases.
Is Spettle free?
Spettle is free to download, with no in-app purchases.
Do Kaspi Pay or Spettle have ads?
Spettle shows ads; Kaspi Pay does not.
Which is updated more often, Kaspi Pay or Spettle?
Kaspi Pay ships an update weekly, and Spettle every 3 weeks. Most recently, Kaspi Pay was updated on October 20, 2026 and Spettle on October 16, 2026.

Other comparisons