TamaraC38
BNPL Network · Registered online and in-store retailers in Saudi Arabia and the UAE, including freelancers and social-medi…
Overview
If you sell to shoppers in Saudi Arabia, Tamara is one of the pay-later buttons many of them already expect to see, and it works with retailers including SHEIN, IKEA, Jarir, noon and Amazon. You are paid in full, Tamara carries the repayment and fraud risk on orders it approves, and it connects to Salla, Zid, Shopify, WooCommerce, Magento and several Saudi card terminals. It is also on solid footing: SAMA licensed it for consumer finance in 2025, and the audited accounts of its Saudi company show a profit for 2025. The grade stops at B- for three reasons. Tamara does not publish its merchant fees, so you cannot compare costs before applying. Payouts are weekly. And its Merchant Terms give it very wide discretion over your money and your account: it can hold up to 75% of a weekly payout, keep all its fees on refunded orders, raise fees on 10 days' notice, and end the agreement if it 'deems it necessary for any other reason'.
Best for: Registered online and in-store retailers in Saudi Arabia and the UAE, including freelancers and social-media sellers, selling mid-to-high ticket goods such as electronics, fashion, furniture, healthcare and travel to local shoppers, who can wait a week for their money in return for guaranteed payment.
Strengths
- + One of Saudi Arabia's leading pay-later providers, reporting more than 25 million customers and over 130,000 partner merchants in August 2026
- + You are paid in full whether or not the shopper repays, and Tamara carries credit and fraud risk on approved orders
- + Directly regulated: a SAMA consumer finance and BNPL licence (dated February 2025, announced March 2025), a restricted finance licence from the UAE central bank (announced October 2025) and Bahrain's first BNPL licence (October 2024)
- + Financially transparent for a private company: it publishes audited annual and quarterly accounts for its Saudi company, which show a 2025 net profit of SAR 193 million
- + Publishes its dispute fees (USD 5 or USD 10 per lost dispute) and charges none on disputes you accept
- + Wide integration list, including Salla, Zid, Shopify, WooCommerce, Magento and in-store activation on Geidea terminals
Trade-offs
- – No published merchant rates: the fixed and variable fee are set per merchant, so you cannot compare costs before applying
- – Weekly payouts only, and on the default model nothing is paid until your balance reaches SAR/AED 2,500; the weekly model charges SAR/AED 25 on smaller payouts
- – Broad hold rights: up to 75% of a weekly payout can be held and released monthly, your first three orders can be held for a month, and payouts can be withheld during any investigation
- – Tamara may keep all of its fees on a refunded order, and it can raise fees on only 10 days' notice
- – The termination clause includes a catch-all letting Tamara end the agreement immediately for any reason it deems necessary
Fees in detail
- International: Tamara serves merchants registered in Saudi Arabia and the UAE, and it holds a Bahrain licence. Its developer documentation (updated April 2
- Disputes: Disputes run through Tamara's Buyer Protection programme rather than card-scheme chargebacks. Tamara decides who is at fault, and its decisi
- Contract: Per contract; 60 days' notice to exit
Standard published rate for a domestic online card payment. Confirm current pricing on Tamara's pricing page.
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