Tabby

Overview

Tabby brings flexible checkout payments, shopping tools and money services into one app, alongside payment integrations for merchants. It is best suited to eligible shoppers and businesses in Saudi Arabia, the UAE and Kuwait that want payment options across online and in-person sales. Its breadth is useful, but shopper eligibility and possible fees make it a poor fit for anyone expecting every payment option to be free or universally available.

Key features

Pay Later. Pay in 4 divides a purchase into four interest-free payments with no fees, a clear option for eligible shoppers who can repay over a shorter period. Pay over time allows up to 12 monthly payments, but a service fee may apply; any fees are shown at checkout. Customers must be at least 18, have a valid national ID and linked debit or credit card, and have a good credit history. These requirements limit the service for shoppers who do not meet its eligibility criteria.

Tabby Card and Cash. The Tabby Card advertises no down payments, up to 40 days to pay, payment plans up to eight months and 5% cashback on top categories. Tabby Cash offers a spending account and transfers without transfer fees, while its Cash Card advertises up to 3% cashback on top categories. Together, these services give the app a role beyond checkout financing. Tabby says its Cash Services are provided by Tabby Payments LLC, licensed by the Central Bank of the UAE.

Shopping tools and buyer support. Shoppers can find stores and deals, use coupon codes, compare prices, track price drops and manage upcoming payments. For eligible online purchases, Tabby can pause remaining payments during an issue and work with the store toward resolution, usually within 21 days. In-app chat support is available 24/7. The tools add practical shopping and payment management, though payment pauses apply only to eligible online purchases.

Merchant checkout and integration. Businesses can offer Tabby online, in-store, through payment links and with Tabby Card. They receive the purchase amount upfront minus applicable fees, according to their payout schedule. Plug-and-play integrations cover major ecommerce platforms; businesses with other systems can use the checkout API to integrate payments into a website or mobile app. That range makes Tabby relevant to merchants seeking multiple sales channels, though custom setups require API integration.

Tabby says transactions use encryption and two-step verification, and that it is PCI DSS certified in all its operating markets. It also says stored personal information is shared only with authorized parties when required.

Pricing

Pay in 4: 0.00 USD per free, with four interest-free payments and no fees. This is the most straightforward option for eligible shoppers, but it does not offer the longer repayment window of Pay over time.

Pay over time: custom pricing. It supports up to 12 monthly payments, with a service fee that may apply and is shown at checkout. The longer term may suit shoppers who need more time to repay, but they should review any fee before choosing it.

There is no free trial. For merchants, pricing uses a variable commission and a fixed fee per successful transaction; exact rates are provided during application and recorded in the contract. That means businesses need to assess their own contracted costs rather than rely on a single published rate.

Platforms

Tabby supports Android, iOS, web and API. Merchant integrations include Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce and ExpandCart. Businesses can also connect other systems through the API. Tabby serves Saudi Arabia, the UAE and Kuwait; shoppers should also meet Pay Later eligibility requirements.

Who it's for

Tabby is a strong fit for eligible shoppers in its three markets who want to split purchases, track deals and prices, or manage payments alongside money services. Merchants operating online and in person may value its range of checkout channels, ecommerce integrations and scheduled payouts. Shoppers outside those markets, or those who cannot meet the age, identification, card and credit-history requirements, should look elsewhere.

Pros and cons

• Pro: Pay in 4 offers four interest-free payments with no fees, giving eligible shoppers a simple short-term payment choice.
• Pro: Deals, price comparisons, price-drop tracking and upcoming-payment management combine shopping discovery with payment oversight.
• Pro: Merchants can accept Tabby online, in-store and by payment link, with plug-and-play integrations for major ecommerce platforms and an API for other systems.
• Con: Pay Later requires shoppers to meet age, ID, card and credit-history conditions, so access is not universal.
• Con: Pay over time may carry a service fee, and merchant costs vary by contract, making neither option uniformly fee-free.
• Con: The service is limited to Saudi Arabia, the UAE and Kuwait, ruling it out for shoppers and merchants outside those markets.

Alternatives

Buy Now, Pay Later Platforms is a useful starting point for comparing services across the category. Consider Afterpay if its four interest-free installments over six weeks, with the first payment upfront, better match the desired schedule; eligibility applies. Atome offers a three-monthly-payment option at 0% interest with participating merchants. Aplazo is another alternative. Affirm is an alternative with a Pay in 4 option for qualifying orders of $50–$249.99 at 0% APR, paid every two weeks. Kueski Pay offers approved purchases in specified MXN amounts with several fortnightly-payment schedules. Sezzle is an alternative with a Premium subscription priced at 13.99 USD per month that auto-renews unless cancelled and includes access to Premium in-app brands and priority support. Zip may suit startups, SMBs and growing businesses seeking its Standard plan, priced at 5.93 USD per once per transaction with no monthly or annual fees. Sunbit is another alternative.

Verdict

Choose Tabby if you are an eligible shopper in Saudi Arabia, the UAE or Kuwait seeking more than installment payments, or a merchant wanting broad checkout channels and ecommerce integrations. Its main advantage is the combination of shopper tools, money services and merchant payment options. Look elsewhere if you need coverage outside those markets, cannot meet shopper eligibility requirements, or need predictable fees before checkout or merchant application.