She attributed the main reasons to:
- Tax risks: Some mobile wallets receiving payments are registered to individuals who have no relation to the business. As a result, the tax service does not track these incomes, which can lead to significant fines. This circumstance is one of the main factors prompting sellers to avoid such transactions.
- High fees: Sellers face high percentages that mobile operators charge for servicing the wallets. Association members, primarily representing retail, claim that this makes such payments economically unviable.
- Issues with receipts: Sellers have doubts about the accuracy of accounting: money comes into the mobile wallet, and they do not know how to properly issue a receipt through the cash register (KKM). This leads to concerns about potential violations of tax legislation.
Note: On September 13, 2025, the Cabinet of Ministers proposed amendments to the tax legislation to the Jogorku Kenesh, which were adopted on October 29, 2025, and partially came into effect on January 1, 2026.
According to the amendments, Article 317-2 was added to the KR Code on Offenses, establishing liability for accepting payments for goods through QR codes registered to individuals.
