Tamara lets shoppers split purchases into installments at participating stores. It is available online and in-store at most stores across Saudi Arabia and the UAE; its listed consumer regions also include Kuwait and Bahrain. Repayment schedules include 3, 4, 6, 9, 12, and 24 months. The Pay in 3 plan is free and offers three equal monthly payments at 0% APR, subject to eligibility and the merchant's offer. The stated maximum spending limit is SAR 50,000, subject to merchant availability, credit score, and payment history. Tamara says missed payments do not incur late fees, though repeated delays may lead to account suspension and affect credit score. Its merchant offering supports online, in-store, and QR payments, saved cards, Mada, Apple Pay, and one-click checkout. Merchants can integrate through platforms including Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, and Network International, and are paid upfront when customers split purchases. Pricing is on request. Tamara is headquartered in Riyadh, Saudi Arabia.
Who it is for
Tamara suits shoppers in its listed regions who want installment options at participating stores. Its merchant tools may suit businesses seeking online, in-store, or QR checkout and integrations with listed commerce platforms.
What is good
- Installment schedules include six listed term options.
- Checkout is available online and in-store.
- Merchants are paid upfront on split purchases.
- Merchant dashboard is available.
What to know first
- Maximum spending limit depends on eligibility factors.
- Repeated late payments may suspend an account.
- Pricing is available on request.
- Tamara Smart is UAE-only.
Verdict
Tamara offers installment checkout for consumers and multiple payment channels and integrations for merchants. Shoppers should review eligibility and payment-history conditions, while merchants need to request pricing.
Get started with Tamara
- Visit tamara.co.
- For a purchase, shop at a participating store online or in-store in a supported region.
- Check whether Pay in 3 or another repayment schedule is available for the purchase.
- For a merchant integration, select a listed platform such as Shopify, WooCommerce, Magento, or Salla.
- For Tamara Smart, use the UAE membership, which has a one-month free period followed by monthly billing.
What the free plan stops at
Pay in 3 requires eligibility and a participating merchant offer. Tamara Smart is UAE-only, billed at AED 19 monthly after its first free month, and includes cashback up to AED 250 monthly.
Questions about Tamara
What does Tamara cost?
Merchant pricing is on request. Pay in 3 is listed at no cost, subject to eligibility and the merchant offer; Tamara Smart costs AED 19 monthly after its first free month.
Is there a free plan or trial?
Tamara lists a free plan and a free trial. Tamara Smart has a one-month free period, then monthly billing.
Where can shoppers use Tamara?
Its consumer regions are Saudi Arabia, the United Arab Emirates, Kuwait, and Bahrain. Tamara says it is available online and in-store at most stores across Saudi Arabia and the UAE.
What payment schedules are available?
Listed repayment terms are 3, 4, 6, 9, 12, and 24 months. Pay in 3 offers three equal monthly payments at 0% APR, subject to eligibility and merchant offer.
Which platforms can merchants integrate?
Listed options include Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, and Network International.
Where is Tamara based?
Tamara is headquartered in Riyadh, Saudi Arabia.
Tamara plans and pricing
All plansCompared on buy now, pay later platforms
- Checkout channels
- omnichannel
- Repayment terms
- 3, 4, 6, 9, 12, and 24 months
- Merchant platforms
- Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International
- Merchant settlement
- scheduled
- Consumer regions
- Saudi Arabia, United Arab Emirates, Kuwait, Bahrain
- Merchant dashboard
- Yes
