tabby (Saudi Arabia)
国家/地区: 沙特阿拉伯 (SA) | 底层清算轨道: bnpl
BNPL
市场普及率: 40%
tabby 是沙特阿拉伯和 GCC 地区第一大先买后付（BNPL）消费金融平台，在沙特时尚零售、美妆个护及高端消费品电商中占据主导地位，以四期零利息无息分期、秒级风控审核与 mada / 信用卡自动代扣为特征，广泛用于服装鞋帽网购、电子数码及高客单价日常消费。
🔄 用户付款交互流 (User Flow)
- Customer selects tabby Pay in 4 at checkout
- tabby performs instant risk check using mobile number and national ID
- Customer pays first 25% installment using mada or credit card
- 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 initializes 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