Tabby is the MENA region's largest buy-now-pay-later (BNPL) provider, founded in 2019 by Hosam Arab (ex-Namshi) and Daniil Barkalov, originally in Dubai and now headquartered in Riyadh ahead of a planned IPO. Tabby reached a $3.3B valuation in a February 2025 Series E ($160M co-led by Blue Pool Capital and Hassana Investment Company), making it the most valuable fintech in the Middle East, with 15M+ users, 40,000+ merchants, and $10B+ in annualized transaction volume across KSA, UAE, and Kuwait. The Tabby API powers split-purchase checkouts (Pay-in-4 interest-free, monthly plans up to 12 months), payment lifecycle management, webhooks, and dispute resolution, complemented by Tabby Card (Visa-enabled), Tabby Shop discovery, Tabby Care purchase protection, and the Tabby Plus loyalty programme.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- BNPL, Buy Now Pay Later, Consumer Finance, E-commerce, Fintech, Installments, MENA, Payments, Saudi Arabia, UAE
- Created: 2026-05-24
- Modified: 2026-05-24
| Region | Production Host | Currency | Checkout Host |
|---|---|---|---|
| UAE / Kuwait | https://api.tabby.ai |
AED / KWD | https://checkout.tabby.ai |
| Saudi Arabia | https://api.tabby.sa |
SAR | https://checkout.tabby.sa |
All paths and payloads are identical across both hosts.
Create and retrieve hosted Tabby checkout sessions. Posts the buyer, order, and buyer-history payload to /api/v2/checkout and returns a pre-scoring result with a hosted web_url (or QR) the customer follows to complete Pay-in-4 or monthly installment authorization.
Human URL: https://docs.tabby.ai/api-reference/checkout/create-a-session
- Documentation
- OpenAPI
- JSON Schema — Checkout Session
- JSON Schema — Order Item
- JSON-LD
- Naftiko Capability — Checkout Sessions
Lifecycle management for an authorized Tabby BNPL payment — retrieve, list, update merchant reference_id, capture (full or partial), refund (full or partial with line items), and close.
Human URL: https://docs.tabby.ai/api-reference/payments/retrieve-a-payment
- Documentation — Capture
- Documentation — Refund
- Documentation — Close
- OpenAPI
- JSON Schema — Payment
- JSON Schema — Capture
- JSON Schema — Refund
- Naftiko Capability — Payments
- Naftiko Capability — Captures
- Naftiko Capability — Refunds
Register, list, retrieve, update, and remove HTTPS webhook endpoints scoped to a merchant_code. Tabby delivers authorize, capture, close, reject, expire, refund, and update events with optional arbitrary auth-header signing; failed deliveries retry with exponential backoff (1m timeout, 4 retries, 1-4 minute intervals).
Human URL: https://docs.tabby.ai/api-reference/webhooks/register-a-webhook
Programmatic dispute handling mirroring the Tabby Merchant Dashboard — list the 100 most recent disputes, retrieve a single dispute, provide evidence, and bulk-approve (max 20 per request, refunds customer) or challenge new disputes. Upload PNG/JPEG/PDF evidence up to 5MB. Live payments only.
Human URL: https://docs.tabby.ai/api-reference/disputes
Tabby maintains its open-source integrations under github.com/tabby-ai:
| Surface | Repository | Language | License |
|---|---|---|---|
| iOS | tabby-ios-sdk | Swift | — |
| Android | tabby-android-sdk | Kotlin | — |
| Flutter | tabby_flutter_inapp_sdk | Dart | MIT |
| React Native | react-native-example | TypeScript | — |
| Magento 2 — Checkout | m2-checkout | PHP | — |
| Magento 2 — Payments | m2-payments | PHP | — |
| Magento 2 — Marketplace Feed | m2-feed | PHP | — |
| Magento 2 — Additional Merchant ID | m2-sub | PHP | — |
| Odoo | odoo | Python | — |
| Hijri calendar | hijri-converter | TypeScript | MIT |
Certified storefront plugins (docs-only): Shopify, WooCommerce, Salla, Zid, OpenCart, ExpandCart, Matjrah, Salesforce.