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Tamara (UAE)

Country: United Arab Emirates (AE)  |  Payment Rail: bnpl

BNPL Market Adoption: 35%

Tamara is a GCC BNPL unicorn widely used in UAE luxury retail and e-commerce, offering 3-4 interest-free installments with automated card charging.

🔄 User Payment Flow

  1. Customer selects Tamara at checkout and enters UAE mobile number
  2. Tamara performs real-time credit check and presents installment plan
  3. Customer pays first installment via Visa / Mastercard
  4. Merchant receives full settlement while Tamara debits remaining installments

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API passes order details to Tap / Checkout.com gateway
  • PSP opens Tamara checkout modal or redirect
  • PSP receives clearing confirmation and updates order status

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 PayTabs🔌 Adyen