Tabby (Kuwait)
国家/地区: 科威特 (KW) | 底层清算轨道: bnpl
BNPL
市场普及率: 35%
Tabby 是中海油及科威特主流的先买后付（BNPL）消费金融平台，在科威特中青年在线时尚、美妆及数码消费中占据主导地位，以四期零利息无息分期、秒级风控审核与自动扣款为特征，广泛用于服装鞋帽网购、高端数码及日常消费品分期结账。
🔄 用户付款交互流 (User Flow)
- Customer selects Tabby Pay in 4 at checkout
- Tabby performs instant soft credit check via mobile number
- Customer pays first 25% installment using debit/credit card
- Merchant receives 100% order payout while Tabby debits 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 payload to gateway (Tap/Checkout)
- PSP initializes Tabby modal or API checkout
- 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