Card payment — how it works

Orders on zaf.kz are paid online by bank card. Payments are handled by Freedom Pay — your card details are entered on the bank’s secure page.

Accepted cards

We accept Visa and Mastercard issued by any bank. Payments are processed by the Freedom Pay payment service.

All settlements are made in tenge (KZT). The amount charged is the one shown in the cart as “Total” — it already includes delivery, your personal discount and a promo code, if any apply.

Freedom Pay

How the payment works

Build your orderAdd items to the cart and press “Checkout”.

Fill in the recipient detailsName, phone, city, delivery method and address. The phone number is needed by the courier and for order updates.

Press “Pay by card”The order is created on the site and receives a number in the form ZAF-2026-0001. Quote this number in any enquiry.

You are taken to Freedom PayThe bank’s secure payment page opens. Card details are entered there and only there.

Confirm the paymentThe bank that issued your card will ask for 3-D Secure confirmation — a one-time code or an approval in its mobile app.

Back to the siteAfter a successful payment you return to a confirmation page showing your order number. If the payment fails, an error page opens and the order stays unpaid.

Payment security

The card number, expiry date and CVV are entered on the Freedom Pay side. The ZAF online store does not receive, process or store this data.

Both the payment page and the site itself run over the secure HTTPS protocol. Payments are additionally confirmed with 3-D Secure, meaning the transaction must be approved by your card issuer.

Verified by ID Check

ZAF staff never ask for your card number, CVV or SMS codes — neither in chat nor by phone. If you receive such a request in our name, it is a scam.

When the order is accepted

Until it is paid, the order has the status “awaiting payment” and is not processed.

As soon as Freedom Pay confirms the charge, the order automatically becomes “paid” and goes into picking. A manager then contacts you to agree the delivery or pick-up date.

The order status is visible in your account under “Order history”.

If the payment fails

No money is charged on a failed payment. The usual reasons are:

insufficient funds on the card;
the bank declined the online payment — such transactions are sometimes disabled by default;
the 3-D Secure confirmation code was not entered or expired;
the card has expired or the details contain a typo.

Try again or use another card. If the payment still does not go through, message us on WhatsApp with your order number and we will sort it out with the bank.

Double charges and refunds

If money was charged but the order stayed unpaid, send us the order number and the time of the payment. An erroneous charge is refunded to the same card.

The refund procedure for returned goods is described in the returns policy.

Who receives the payment

The payment recipient is ZAF Leather LLP, BIN 160140017811.

You can reach us on WhatsApp or by email at sales@zaf.kz.

Paying for your order