Tabby

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

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

• Buy now pay later
• Consumer installment lending
• Digital payments platform
• Merchant checkout integration
• Fintech credit services

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices8 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. 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.
2. Tabby+ Subscription: Monthly subscription service (AED 49/month) offering enhanced benefits including 5% cashback on selected categories, priority support, and exclusive deals.
3. 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

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers14 records

Segments2 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability6 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core.

• zendacoreStrategic or Co-development Partner · 20 May 2026Strategic 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.
• YunocoreTechnology or Integration · 16 May 2026Global financial infrastructure platform partnership to offer Tabby's interest-free Pay in 4 to Yuno merchants across Saudi Arabia and UAE.
• ShahbandrcoreStrategic or Co-development Partner · 11 February 2026Strategic partnership with Saudi e-commerce enabler serving 20,000+ online stores to offer interest-free installment payments.
• UAE Ministry of FinancecoreOthers · 27 November 2025Government partnership enabling customers to pay government fees and fines through Tabby BNPL installments.
• Sharjah Finance DepartmentcoreOthers · 27 November 2025Launched Postpaid Payment Service for government fees and transactions in Sharjah.
• MoneyHashcoreTechnology or Integration · 22 October 2025Partnership to offer Tabby's BNPL services via MoneyHash's unified API, enabling merchants across UAE and KSA to access flexible payment options.
• TweeqcoreOthers · 3 September 2024Acquisition 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

Broad 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

• Xx.com/paywithtabby
• Facebookfacebook.com/paywithtabby
• LinkedInlinkedin.com/company/tabbypay

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds15 records

Investors30 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tabby