Tamara is the Saudi Arabia–headquartered MENA shopping and Buy-Now-Pay-Later platform offering Shariah-compliant split-payment and Pay-Now solutions across Saudi Arabia, the United Arab Emirates, Kuwait, Bahrain, and Oman. Founded in 2020 and licensed by the Saudi Central Bank (SAMA, license No. 95/A Sh/202502), Tamara became the first homegrown Saudi fintech unicorn in December 2023 after raising a US$340M Series C co-led by SNB Capital and Sanabil Investments, and operates on a Shariah-compliant funding base anchored by Goldman Sachs, Citi, and Apollo debt facilities.
This repository profiles Tamara's developer surface — eight APIs (Checkout, Orders, Payments, In-Store Checkout, Webhooks, Disputes, Pre-Checkout Eligibility, and Channel Partners), six SDKs (PHP, .NET, iOS, Android, Flutter examples, React Native example), six e-commerce plugins (Magento, WooCommerce, OpenCart, PrestaShop, Salesforce Commerce Cloud, Shopify), and the ecosystem of regional integration partners (Salla, Amazon Payment Services, Checkout.com, PayTabs, CCAvenue, Qoyod, Osarah Pro, Shahbandr, Techrar).
| API | Description |
|---|---|
| Tamara Checkout API | Create hosted checkout sessions; return a checkout_url for the consumer to complete BNPL or Pay-Now. |
| Tamara Orders API | Authorise, retrieve, update, and cancel orders through Tamara's online lifecycle. |
| Tamara Payments API | Capture funds and process simplified or legacy refunds. |
| Tamara In-Store Checkout API | Generate SMS or QR-code payment links for brick-and-mortar BNPL. |
| Tamara Webhooks API | Register and manage HTTPS webhooks for order and dispute events. |
| Tamara Disputes API | List, filter, and update merchant disputes. |
| Tamara Pre-Checkout Eligibility API | Decide whether to render Tamara as a payment option before checkout. |
| Tamara Channel Partners API | PSP/platform surface to onboard merchants onto Tamara and listen for onboarding events. |
Per-API Naftiko capabilities are published in capabilities/ — each capability exposes REST and MCP adapters routed through a self-contained HTTP consumes block.
capabilities/checkout-sessions.yamlcapabilities/orders.yamlcapabilities/payments.yamlcapabilities/in-store-checkout.yamlcapabilities/webhooks.yamlcapabilities/disputes.yamlcapabilities/eligibility.yamlcapabilities/channel-partners.yaml
json-schema/tamara-order-schema.jsonjson-schema/tamara-checkout-session-schema.jsonjson-schema/tamara-capture-schema.jsonjson-schema/tamara-refund-schema.jsonjson-schema/tamara-dispute-schema.json
End-to-end request/response payloads for the core merchant lifecycle live in examples/:
- Create Checkout Session
- Authorise Order
- Capture Order
- Simplified Refund
- Pre-Checkout Eligibility
- Register Webhook
rules/tamara-rules.yml enforces Tamara's API conventions: bearer auth, Title Case summaries, camelCase operationIds, the https://api.tamara.co (and partner-api.tamara.co) server entry, and the supported GCC currency enum (SAR, AED, BHD, KWD, OMR).
plans/tamara-plans-pricing.yml— Merchant and Channel Partner plans (free onboarding/API; per-transaction MDR negotiated per merchant).rate-limits/tamara-rate-limits.yml— Tamara does not publish numeric rate limits; policies cover idempotency, webhook retries, and backoff.finops/tamara-finops.yml— FOCUS 1.3-aligned mapping of Tamara's weekly settlement cycle, MDR, refund-adjustment, and dispute-chargeback meters.
json-ld/tamara-context.jsonld— JSON-LD vocabulary mapping Tamara order, checkout session, capture, refund, dispute, webhook, and Money to schema.org and XSD types.json-structure/tamara-order-structure.json— JSON Structure representation of a Tamara Order for code generation.vocabulary/tamara-vocabulary.yml— Domain vocabulary covering products, lifecycle states, regulators, supported countries/currencies/locales, order/dispute statuses, payment types, and webhook events.
Official source on GitHub at Tamara-Technology:
- SDKs: PHP, .NET, iOS, Android, Flutter (example), React Native (example)
- Plugins: Magento, WooCommerce, OpenCart, PrestaShop, Salesforce Commerce Cloud, Shopify
- Regional integrations: Salla, Amazon Payment Services, Checkout.com, PayTabs, CCAvenue, Qoyod, Osarah Pro, Shahbandr, Techrar.
- Documentation: https://docs.tamara.co/
- API Reference: https://docs.tamara.co/reference/tamara-api-reference-documentation
- LLM-Friendly Index: https://docs.tamara.co/llms.txt
- Quick Start (Direct API): https://docs.tamara.co/docs/direct-quick-start-guide
- Partners Portal: https://partners.tamara.co/
- Status: https://status.tamara.co/
- GitHub: https://github.com/Tamara-Technology