Tabby
Tabby is the leading MENA buy now, pay later fintech, serving 25M+ consumers and 40,000+ merchants across Saudi Arabia, UAE, and Kuwait with interest-free installment payments, a Visa-backed Tabby Card, and a broader consumer finance platform.
- Company typePrivate
- Founded2019
- HeadquartersRiyadh, Saudi Arabia
- Headcount1,001–5,000
- GTM typeB2C
- OfferingSoftware
Tabby firmographics
Firmographics- Name
- Tabby
- Legal name
- Tabby LLC
- Website
- https://tabby.ai
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Tabby is the leading MENA buy now, pay later fintech, serving 25M+ consumers and 40,000+ merchants across Saudi Arabia, UAE, and Kuwait with interest-free installment payments, a Visa-backed Tabby Card, and a broader consumer finance platform.
- Ownership category
- akta.pro rank
Tabby industry classification
Industry- Product category
- Buy Now Pay Later
- NAICS
- Finance and Insurance (52)
- akta.pro primary industry
- Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)
- akta.pro secondary industries
- Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), In-Store / In-Person BNPL (POS) (FSAKACAB), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)
Keywords
Where Tabby is headquartered
LocationHeadquarters
- HQ city
- Riyadh
- HQ country
- Saudi Arabia
- HQ region
- Middle East
Offices8 records
Markets served
Tabby business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Merchant Transaction Fees: Tabby charges merchants a fee for processing BNPL transactions. Merchants receive full payment upfront while customers pay in installments. This is the primary revenue stream.
- Tabby+ Subscription: Monthly subscription service (AED 49/month) offering enhanced benefits including 5% cashback on selected categories, priority support, and exclusive deals.
- Advertising and Marketing Services: Tabby Ads allows merchants to reach millions of shoppers through the Tabby app marketplace, charging for ad placements and sponsored product visibility.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay in 4 - Interest-free installment payments for consumers |
| Freemium | Monthly | Tabby Card - Free tier with basic spending features |
| Subscription | Monthly | Tabby+ Premium - AED 49/month with enhanced benefits |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Tabby product offering
Product offeringCore offering
Tabby is a financial technology platform that offers Buy Now, Pay Later (BNPL) services, enabling consumers to split purchases into 4 interest-free payments or up to 12 monthly payments at more than 45,000+ partner merchants across Saudi Arabia, UAE, and Kuwait. The company also provides merchants with checkout integrations, in-store POS solutions, advertising (Tabby Ads), and business financing (Tabby Capital), while expanding into digital wallets, spending accounts, and a Visa spending card (Tabby Card).
Product overview
Tabby operates as a multi-product financial services platform in the MENA region, primarily offering Buy Now, Pay Later (BNPL) solutions. The core products include Tabby Pay (4-interest-free payments at participating merchants), Tabby Card (digital Visa spending card), Tabby Shop (shopping discovery app), and Tabby Care (buyer protection). The platform has expanded into full financial services with spending accounts and cards enabled by regulatory licenses in Saudi Arabia and UAE. Supporting merchant products include Tabby Capital (business financing), Tabby Ads (advertising), Tabby Checkout Integration (e-commerce plugins), and Tabby In-Store (POS solutions). The acquired Tweeq brand operates independently as a digital wallet. Tabby serves 20+ million registered users and 45,000+ merchants across Saudi Arabia, UAE, and Kuwait.
Differentiator
Problem solved
Functional benefit
Brands
- Tabby Card: A digital Visa card enabling interest-free spending limit with flexible payment options including split in 4 payments, available in the UAE.
- Tabby Shop
- Tabby Care
- Tabby+
- Tabby Pay Later
Products and services
- Tabby Pay (Pay Later) Tabby's flagship Buy Now, Pay Later product enabling users to split purchases into 4 interest-free payments or up to 12 monthly installments at more than 45,000+ participating merchants. Interest-free with no hidden fees when payments are made on time.
- Tabby Card A digital Visa spending card that enables interest-free purchases anywhere Visa is accepted. Includes spending limits up to AED 10,000, up to 40 days to pay, and split-in-4 functionality for Tabby+ subscribers. Available in UAE.
- Tabby Shop Shopping assistant app feature enabling users to discover products, track deals, compare prices across stores, find exclusive offers, and identify where Tabby is accepted.
- Tabby Care Buyer protection program that allows Tabby customers to report order issues, pause payments, and access return/refund resolution support when merchants cannot help.
- Tabby+ Premium monthly subscription (AED 49/month) offering enhanced Tabby Card benefits including 5% cashback on selected shopping categories (up to AED 200/month), priority customer support, and exclusive deals.
- Tabby Capital Merchant financing product offering flexible funding solutions to help businesses manage cash flow, scale operations, and support growth.
- Tabby Ads Advertising solution that enables merchants to reach Tabby's 20+ million registered shoppers through sponsored product placements and visibility in the Tabby app marketplace.
- Tabby Checkout (Online Integration) Online checkout integration tools enabling merchants to add Tabby as a payment option on their e-commerce sites, including no-code/low-code plugins for Shopify, Salla, Zid, Magento, and custom API integrations.
- Tabby In-Store In-store payment solution that allows merchants to accept Tabby through existing POS systems, payment links, or customer PIN entry, with location-based notifications to drive foot traffic.
- Tabby Spending Accounts Digital spending accounts enabled by the UAE Central Bank Stored Value Facilities license, allowing customers to hold funds and manage finances within the Tabby ecosystem.
- Tweeq Saudi digital wallet licensed by SAMA, acquired by Tabby in September 2024 to expand digital financial services offerings including wallets and money management tools.
Quantifiable outcome
- +33% basket size increase for merchants
- +4 more outcomes
Companies that use Tabby
Customer profileNamed customers14 records
Segments2 records
Ideal customer profiles4 records
Tabby technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability6 records
Feature4 records
Tabby partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- zendacoreStrategic partnership to expand into education sector. Tabby's payment plans integrated through zenda's school fee platform. Over 100 institutions live in UAE including Amity School Dubai and Sharjah University.
- YunocoreGlobal financial infrastructure platform partnership to offer Tabby's interest-free Pay in 4 to Yuno merchants across Saudi Arabia and UAE.
- ShahbandrcoreStrategic partnership with Saudi e-commerce enabler serving 20,000+ online stores to offer interest-free installment payments.
- UAE Ministry of FinancecoreGovernment partnership enabling customers to pay government fees and fines through Tabby BNPL installments.
- Sharjah Finance DepartmentcoreLaunched Postpaid Payment Service for government fees and transactions in Sharjah.
- MoneyHashcorePartnership to offer Tabby's BNPL services via MoneyHash's unified API, enabling merchants across UAE and KSA to access flexible payment options.
- TweeqcoreAcquisition of Saudi digital wallet licensed by Saudi Central Bank to expand Tabby's product offerings including digital wallets and money management tools.
Scale indicators10 records
Recent moves9 records
Expansion highlights7 records
Tabby competitors and assessment
Company assessmentBroad incumbents
- Klarna: Klarna is the global BNPL leader with the broadest merchant base worldwide, providing a useful benchmark for Tabby's ambition to scale beyond MENA into a multi-region BNPL and shopping platform.
- Affirm: Affirm is a US-listed BNPL and consumer finance company offering Pay in 4 and longer-tenor installment loans at checkout, comparable to Tabby Pay Later and an aspirational peer for a potential Tadawul listing.
- Afterpay (Block): Afterpay, owned by Block, pioneered the consumer Pay in 4 model and was a category-defining BNPL platform, directly comparable to Tabby's Pay in 4 offering on consumer behavior and merchant economics.
Direct peers
- Tamara: Tamara is the largest direct BNPL competitor to Tabby in MENA, headquartered in Riyadh and serving Saudi Arabia, UAE, and other Gulf markets with Pay in 4 and longer-tenor installments at checkout. It competes head-to-head for the same merchants (Amazon, Noon, SHEIN) and consumers.
- valU: valU is an Egypt-based BNPL and consumer finance provider by EFG Finance, offering installment plans at merchants across Egypt and the region, comparable to Tabby's longer-term Pay Later product.
- Postpay: Postpay is a MENA BNPL startup offering Pay-in-3 and Pay-in-4 at online checkout, overlapping with Tabby's core product in the UAE and Saudi markets.
- Cashee: Cashee is a MENA BNPL provider offering Pay in 4 to consumers in Saudi Arabia and the UAE, directly competing with Tabby on merchant integrations and consumer app installs.
- Spotii: Spotii is a UAE-based BNPL provider offering interest-free Pay in 4 installments, directly competing with Tabby for merchants and shoppers in the UAE and wider MENA region.
Others
- Telr: Telr is a UAE-based payment gateway serving regional merchants, an adjacent infrastructure provider in Tabby's ecosystem alongside MoneyHash and Paymob where merchants integrate BNPL at checkout.
Emerging players
- Careem Pay: Careem, the MENA super-app owned by Uber, operates a digital wallet and payments platform across the region that competes with Tabby's emerging wallet and spending-account offering enabled by the SVF license.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key highlights7 records
Customer concentration
Tabby social profiles
Digital presenceTabby compliance and trust
Trust signalCompliance2 records
Tabby financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tabby leadership team
Management profileNumber of profiles
Profiles4 records
Tabby subsidiaries and ownership
Company hierarchySubsidiaries1 record
Tabby funding detail
Funding detailFunding overview
Funding rounds15 records
Investors30 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tabby M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tabby
What does Tabby do?
Tabby is a financial technology platform that offers Buy Now, Pay Later (BNPL) services, enabling consumers to split purchases into 4 interest-free payments or up to 12 monthly payments at more than 45,000+ partner merchants across Saudi Arabia, UAE, and Kuwait. The company also provides merchants with checkout integrations, in-store POS solutions, advertising (Tabby Ads), and business financing (Tabby Capital), while expanding into digital wallets, spending accounts, and a Visa spending card (Tabby Card).
Is Tabby a public or private company?
Tabby is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tabby founded?
Tabby was founded in 2019. It employs 1,001 to 5,000 people.
Where is Tabby based?
Tabby is headquartered in Riyadh, Saudi Arabia, in the Middle East region.
How does Tabby make money?
Three revenue lines are on record. Merchant Transaction Fees are the primary driver. The others are tabby+ Subscription and advertising and Marketing Services.
Who are Tabby's main competitors?
Broad incumbents on record are Klarna, Affirm and Afterpay (Block). Direct peers are Tamara, valU, Postpay, Cashee and Spotii. Telr is listed as an others. Careem Pay is listed as an emerging player.
Does Tabby have an API?
No public API is recorded for Tabby.
What industry is Tabby in?
Tabby's product category is Buy Now Pay Later. Its primary akta.pro industry code is BPAMAFAG, Buy Now, Pay Later (BNPL) Platforms, with a secondary code of FSAKACAA, Merchant-Integrated BNPL (Online Checkout). Its NAICS code is 52.