Tamara is a financial technology company specializing in Buy Now, Pay Later (BNPL) solutions. The company is passionate about developing and providing innovative payment solutions, helping society achieve financial freedom.

Tamara provides a financial solution that simplifies the payment process for customers by allowing them to shop and split their bills into interest-free installments. The company is committed to continuously developing payment innovations that enhance the experience for both customers and partners, while ensuring compliance with Islamic Shariah principles.

Available 24/7, Tamara delivers a safe and seamless payment experience that makes shopping and paying easier. It is also the first Buy Now, Pay Later company to receive approval from the Saudi Central Bank (SAMA) to pilot its innovative products within the regulatory sandbox.

All Tamara products are certified by Shariyah Review Bureau (SRB). For example, customers can split their bill into four installments, paying the remaining balance within 90 days—completely interest-free and with no hidden fees.

Certificate of Approval:
After a thorough review, SRB issued a certificate confirming that Tamara’s products comply with Shariah standards. Certificate No.: TRA-1904-01-01-03-21-01.

About Shariyah Review Bureau (SRB):
SRB is a leading Shariah advisory and audit firm licensed by the Central Bank of Bahrain, serving businesses across 12 countries including the US, Europe, Africa, Asia, and the GCC. SRB’s board consists of prominent Shariah scholars worldwide, making it one of the few institutions capable of serving clients on a global scale.

The bureau acts as a Shariah advisor and auditor for multiple sectors, including insurance and investment—covering 26% of investment firms licensed by the Capital Market Authority, 53% of cooperative insurance companies licensed by SAMA, and 28% of finance companies under SAMA’s supervision. Their services include Shariah audits, product certifications, consultations, and stock screenings with the highest professional standards.

For more information, visit www.shariyah.com.

Tabby gives you the flexibility and freedom to choose when and how to pay for the things you love. With Tabby, you can shop now, pay later, and even earn cashback—without any interest, fees, or accumulating debt.

Tabby is licensed by the Saudi Central Bank to operate within the regulatory sandbox. It is fully Shariah-compliant and certified with the PCI DSS standard for secure payment card data protection.

The best way to stay on top of your purchases and upcoming payments is through the Tabby app.

• If you used a Visa or Mastercard, your installments will be charged automatically on the due dates.
  
• If you used a Mada card, follow these steps:
  
  
  1- Log in to the Tabby app or website.
  
  2- Select “My Payments.”
  
  3- Choose the order you want to pay and follow the steps to complete the payment.
  
  Download the Tabby app on Apple Store & Google Play.

Who can use Tabby?
Any resident of the UAE or Saudi Arabia over the age of 18 can use Tabby.

What is my spending limit with Tabby?
Your spending limit depends on several factors, including the type of products you’re purchasing, the store you’re shopping from, and your payment history with Tabby.

Is Tabby free to use?
Absolutely! Tabby does not charge any interest or fees as long as payments are made on time.

How and when will I receive my refunds?
Refunds follow the store’s return and cancellation policy. Once the store processes your request, Tabby will handle your refund.

Here’s what to expect:

• If the refund amount is less than your remaining installments, your payment schedule will be adjusted accordingly.
  
• If the refund amount is more than your remaining installments, the remaining payments will be canceled, and the balance will be refunded to you.
  

Refund Timeline:

• In Saudi Arabia and the UAE, refunds are returned to the original card used within 10 days (or 21 days for Mada cards).
  
• In Kuwait and Bahrain, refunds are returned to your Tabby Wallet, which you can use for future purchases.
  

For more information, visit the Tabby Help Center.