tabby (UAE)
国家/地区: 阿拉伯联合酋长国 (AE) | 底层清算轨道: bnpl
BNPL
市场普及率: 40%
tabby 是阿联酋和 GCC 地区最大的先买后付（BNPL）消费金融平台，在阿联酋时尚、美妆与电商消费中占据主导地位，以四期零利息无息分期、秒级风控审核与 Visa / Mastercard 自动代扣为特征，广泛用于时装奢侈品、电子数码及生活消费品分期结账。
🔄 用户付款交互流 (User Flow)
- Customer selects tabby Pay in 4 at checkout
- tabby performs instant risk assessment using UAE mobile number and Emirates ID
- Customer pays first 25% installment via Visa / Mastercard
- Merchant receives 100% payout while tabby collects remaining 3 installments bi-weekly
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API passes checkout order to Tap / Checkout.com
- PSP opens tabby checkout modal
- PSP receives clearing notification and confirms order
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 PayTabs🔌 Adyen