Tabby

Tabby is a money app for spending, sending, saving, and managing flexible payments. Shoppers can divide eligible purchases into four interest-free payments with no fees, or select plans of up to 12 monthly payments; any service fee is shown at checkout. The app also offers store and deal discovery, coupon codes, price comparisons, price-drop tracking, and upcoming-payment management. Tabby Cash provides a spending account and transfers without transfer fees; Tabby says its Cash Services are provided by a company licensed by the UAE Central Bank. For eligible online purchases with an issue, remaining payments may be paused while Tabby works with the store toward resolution, usually within 21 days. The company says it serves Saudi Arabia, the UAE, and Kuwait. Businesses can offer Tabby online, in stores, through payment links, or with Tabby Card, receiving scheduled payouts upfront minus applicable fees. Merchant integrations include ecommerce platforms and a custom API. Pay in 4 is free; pricing for other merchant services is on request, with commission and transaction fees set during application and recorded in the contract.

Tabby combines split payments with shopping tools and a Cash service, while also offering businesses several checkout channels. Review eligibility requirements and any service fees shown at checkout before using a payment plan.

Tabby suits shoppers in Saudi Arabia, the UAE, and Kuwait who want payment-splitting options and tools for tracking deals and upcoming payments. Businesses can use it to offer payment options online, in stores, or through payment links.

Overview

Tabby is a money and shopping app that combines flexible payments with tools for finding deals, comparing prices and tracking price drops. It is best suited to eligible shoppers in Saudi Arabia, the UAE and Kuwait, and to businesses that want to offer Tabby across online and in-person checkout.

Its appeal is the mix of payment options and shopping tools, backed by several merchant checkout channels. The limits are meaningful: Pay Later requires eligibility, monthly plans may carry service fees, and merchant fees vary.

Key features

Pay Later. Pay in 4 divides a purchase into four interest-free payments with no fees, a strong fit for eligible shoppers who want a short repayment schedule. Pay over time allows up to 12 monthly payments, but a service fee may apply; any such fee is 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. For eligible online purchases with a problem, Tabby can pause remaining payments while it works with the store toward resolution, usually within 21 days.

Tabby Card and Cash. The Tabby Card advertises no down payment, up to 40 days to pay, plans of up to eight months and 5% cashback on top categories. Tabby Cash provides a spending account and transfers without transfer fees; its Cash Card advertises up to 3% cashback on top categories. These options broaden Tabby beyond purchase installments, but shoppers should check the terms for a specific card or plan before relying on its advertised benefits. Tabby says its Cash Services are provided by Tabby Payments LLC, licensed by the Central Bank of the UAE.

Shopping tools and security. Shoppers can find deals and coupon codes, compare prices, track price drops and manage upcoming payments. Tabby says it uses encryption and two-step verification, is PCI DSS certified in all operating markets, and applies bank-level security to personal information, sharing stored information only with authorized parties when required. In-app chat support is available 24/7.

Merchant checkout and integration. Businesses can offer Tabby online, in-store, through payment links and with Tabby Card. Payouts are scheduled, and businesses receive the full purchase amount upfront minus applicable fees. Merchant charges combine a variable commission and a fixed fee per successful transaction, with exact rates provided during application and recorded in the contract. Plug-and-play integrations cover major ecommerce platforms, including Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce and ExpandCart; other systems can use a custom API integration. The checkout API supports payment integration into websites and mobile apps. Tabby says its technology reaches 25 million shoppers and is used by more than 65,000 brands and businesses.

Pricing

Tabby is freemium, with no free trial. Pay in 4 costs nothing and includes four interest-free payments with no fees. It is the clearest choice for eligible shoppers who can use a short schedule and want to avoid plan fees. Pay over time has custom pricing: it allows up to 12 monthly payments, and a service fee may apply, with any fee shown at checkout. That longer schedule may suit a purchase that needs more time to repay, but it is not necessarily fee-free.

For businesses, pricing is custom: each successful transaction incurs a variable commission and fixed fee. Exact rates are set during application and recorded in the contract, so merchants should weigh those charges against the value of receiving the purchase amount upfront on a scheduled payout.

Platforms

Tabby supports Android, iOS, web and API. Its shopper markets are Saudi Arabia, the United Arab Emirates and Kuwait.

Who it's for

Tabby is a good fit for eligible shoppers in its three markets who want installment choices alongside price comparisons, deals and payment management. It is less suitable for people who do not meet Pay Later eligibility requirements or who need to know a monthly plan's cost before reaching checkout. Merchants looking for several checkout channels and scheduled upfront settlement may find it useful, provided the contracted transaction fees work for their business.

Pros and cons

• Pro: Pay in 4 has four interest-free payments and no fees, giving eligible shoppers a clear short-term option.
• Pro: Deals, coupon codes, price comparisons and price-drop tracking add shopping tools beyond payment scheduling.
• Pro: Businesses can offer Tabby online, in-store, by payment link or with Tabby Card, with plug-and-play integrations for major ecommerce platforms.
• Con: Pay Later eligibility requires age 18 or older, valid ID, a linked card and good credit history, so not every shopper can use it.
• Con: Pay over time may include a service fee, while merchant transaction fees vary and are set through application and contract.

Alternatives

For a broader comparison, browse Buy Now, Pay Later Platforms.

Afterpay is another option for shoppers considering four interest-free installments over six weeks, with the first payment upfront and eligibility required. Atome offers a free Pay-in-3 plan in SGD at 0% interest through participating merchants, with the first payment due at purchase. Sunbit is worth considering for point-of-sale financing, with loans from $50 to $20,000 over 3–72 months at 0–35.99% APR, subject to approval and state restrictions.

Affirm offers Pay in 4 for orders of $50–$249.99 at 0% APR, paid every two weeks, and monthly installments. Aplazo is another free option. Kueski Pay offers purchases from $60–$26,000 MXN with 2, 4, 6, 8, 10 or 12 fortnightly payments, subject to approval and restrictions. Oney is another freemium option. Sezzle has a Premium subscription for $13.99 a month that auto-renews unless cancelled and includes access to Premium in-app brands and priority support.

Verdict

Choose Tabby if you are an eligible shopper in Saudi Arabia, the UAE or Kuwait who wants fee-free Pay in 4 alongside shopping tools, or a merchant seeking multiple checkout channels and scheduled upfront settlement. Look elsewhere if you need guaranteed eligibility, a monthly plan with no possible service fee, or merchant charges known before application.