Tamara
Riyadh, Saudi Arabia
What it is
Tamara lets shoppers split purchases into payments at participating stores, online or in person. The service is available in Saudi Arabia, the United Arab Emirates, Kuwait, and Bahrain, and its Saudi financing page lists schedules of 3, 4, 6, 9, 12, and 24 months. The stated maximum spending limit is SAR 50,000, subject to merchant availability, credit score, and payment history. Its Pay in 3 plan is free for three equal monthly payments at 0% APR, subject to eligibility and the merchant’s offer. Tamara says missed payments do not incur late fees, though repeated delays may suspend an account and affect credit score. Exclusive Deals may apply automatically at checkout or be redeemed using promo codes. For merchants, Tamara Business supports online, in-store, and QR payments, along with saved cards, Mada, Apple Pay, and one-click checkout. Integrations include Shopify, WooCommerce, Magento, Salla, Zid, and other platforms. Tamara is headquartered in Riyadh, Saudi Arabia; pricing is on request.
For and against
For
- Offers six listed repayment periods.
- Supports online and in-store purchases.
- No late fees for missed payments, according to Tamara.
- Merchant payments include QR, Mada, and Apple Pay.
Against
- Maximum spend is conditional on several factors.
- Repeated delays may suspend accounts and affect credit scores.
- Pricing is on request.
The verdict
Tamara combines installment payments for shoppers with checkout and settlement tools for merchants. Eligibility, merchant availability, and pricing terms are important to check before choosing it.
Who it suits
Tamara suits shoppers in its supported markets who want installment payment options at participating stores. Its merchant tools may suit businesses seeking online, in-store, or QR checkout and installment settlement.
Plans and prices
Pay in 3
3 equal monthly payments · 0% APR · available subject to eligibility and merchant offer
Read 8 Oct 2026 · tamara.co
Tamara Smart
UAE only · 1% cashback per order up to AED 250 monthly · processing fee waiver up to 1%
Read 8 Oct 2026 · tamara.co
On the record
- Deals
- Exclusive Deals may apply automatically at checkout or be redeemed with promo codes on the store checkout page.tamara.co · read 8 Oct 2026
- Integrations
- The merchant page lists Shopify, WooCommerce, Magento, Salla, Zid, Paymob, OpenCart, and other platform integrations.tamara.co · read 8 Oct 2026
- Merchant features
- Tamara Business offers online, in-store, and QR payment options, plus saved cards, Mada, Apple Pay, and one-click checkout.tamara.co · read 8 Oct 2026
- Merchant settlement
- Tamara says merchants are paid upfront when customers split purchases into installments.tamara.co · read 8 Oct 2026
- No late fees
- The company says missed payments do not incur late fees, though repeated delays may suspend an account and affect credit score.tamara.co · read 8 Oct 2026
- Online and in-store
- Tamara says it is available online and in-store at most stores across Saudi Arabia and the UAE.tamara.co · read 8 Oct 2026
- Payment schedules
- Its Saudi financing page lists payment schedules of 3, 4, 6, 9, 12, and 24 months.tamara.co · read 8 Oct 2026
- Purchase limit
- The stated maximum spending limit is SAR 50,000, subject to merchant availability, credit score, and payment history.tamara.co · read 8 Oct 2026
- Regulation
- Tamara Finance Company says it is under Saudi Central Bank supervision and control, under License No. 95/A Sh/202502.tamara.co · read 8 Oct 2026
- Security
- Tamara says it monitors transactions around the clock and protects transactions and data using advanced encryption technologies.tamara.co · read 8 Oct 2026
- Security disclosure
- Tamara’s disclosure page says it responds to vulnerability submissions within 14 business days and that its bug bounty program is temporarily closed.tamara.co · read 8 Oct 2026
- Smart membership
- Tamara Smart is described as a UAE-only membership with a one-month free period, monthly billing, and cancellation at any time.tamara.co · read 8 Oct 2026
- Support
- The Saudi site lists the Help Center and support telephone number 8001181118.tamara.co · read 8 Oct 2026
- What it does
- Tamara is a payment solution that lets shoppers split payments for purchases at participating stores.tamara.co · read 8 Oct 2026
