Tabby

Overview

Tabby combines flexible checkout payments with a money app for spending, transfers, savings and shopping tools. It suits shoppers in Saudi Arabia, the UAE and Kuwait who want payment choices alongside deals and price tracking, as well as merchants seeking online and in-store payment channels.

Its strongest case is breadth: shoppers can compare prices and manage upcoming payments, while businesses can add Tabby across several sales channels. The trade-off is that eligibility and possible service or merchant fees matter; it is not a universal fee-free payment option.

Key features

Shopper payments. Pay in 4 splits a purchase into four interest-free payments with no fees. For shoppers who qualify and can meet the schedule, that is a straightforward short-term option. Pay over time extends purchases to as many as 12 monthly payments, but a service fee may apply and fees, if any, appear at checkout. Eligibility requires age 18 or older, a valid national ID, a linked debit or credit card and a good credit history.

Tabby Card and Cash. The Tabby Card advertises no down payment, up to 40 days to pay, plans of up to eight months and 5% cashback on top categories. Tabby Cash combines a spending account with transfers that Tabby says carry no transfer fees; its Cash Card advertises up to 3% cashback on top categories. These give the app a broader money role than checkout financing alone, though the advertised benefits are tied to particular products and categories.

Shopping and buyer support. Shoppers can find stores and deals, use coupon codes, compare prices, track price drops and manage upcoming payments. For eligible online purchases with an issue, Tabby can pause remaining payments while it works with the store toward a resolution, usually within 21 days. In-app chat support is offered around the clock.

Merchant payments and integration. Businesses can offer Tabby online, at point of sale, through payment links and with Tabby Card. Payouts are scheduled, and merchants receive the purchase amount upfront minus applicable fees. Pricing combines a variable commission with a fixed fee per successful transaction; rates are supplied during application and recorded in the contract. Plug-and-play integrations cover Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce and ExpandCart, while other systems can use a custom API integration. A merchant dashboard is available.

Security. Tabby says transactions use encryption and two-step verification, and that it is PCI DSS certified across its operating markets. It says stored personal information is shared only with authorized parties when required. Tabby Cash Services are provided by Tabby Payments LLC, licensed by the Central Bank of the UAE.

Pricing

Tabby uses a freemium model, with a free plan and pricing on request. There is no free trial. The free Pay in 4 plan costs nothing and includes four interest-free payments with no fees. It fits eligible shoppers who can repay on that shorter schedule; it does not provide the longer runway of monthly installments.

Pay over time has custom pricing. It offers up to 12 monthly payments, with a service fee potentially applying and any fee shown at checkout. That option may suit a shopper prioritizing smaller monthly payments, but the fee and repayment terms should be checked before confirming a purchase. For merchants, fees are variable by transaction and set during application, rather than a published flat price.

Platforms

Tabby supports Android, iOS and web, and provides an API for payment integration into websites and mobile apps. Its checkout is omnichannel. Shoppers are in Saudi Arabia, the United Arab Emirates and Kuwait; the company says its technology serves more than 65,000 brands and businesses and reaches 25 million shoppers.

Who it's for

Tabby is a strong fit for eligible shoppers in its three markets who want both installment checkout and practical shopping tools, especially price comparisons, deal discovery and payment tracking. It is also suited to businesses that want scheduled payouts and multiple checkout channels, particularly those using one of its supported ecommerce platforms. Shoppers who need guaranteed eligibility, a fee-free longer plan, or service outside these markets should look elsewhere.

Pros and cons

• Pro: Pay in 4 is explicitly fee-free and interest-free, making its short installment option easy to assess.
• Pro: Deals, coupon codes, price comparisons and price-drop tracking make Tabby useful before checkout as well as at payment.
• Pro: Merchants can offer Tabby through web, point of sale and payment links, with integrations for major ecommerce platforms and a custom API route.
• Con: Pay over time may carry a service fee, so spreading repayment across more months can cost more than Pay in 4.
• Con: Pay Later depends on age, identification, a linked payment card and credit history, excluding some shoppers even where Tabby operates.
• Con: Merchant fees include both commission and a fixed transaction fee, with the rates determined during application.

Alternatives

Browse Buy Now, Pay Later Platforms for more options. Choose Sezzle if its $13.99 USD monthly Premium plan—with access to Premium in-app brands and priority support—better matches your needs. Sunbit is an alternative for point-of-sale financing, with loans from $50 to $20,000 over 3–72 months at 0–35.99% APR, subject to approval and state restrictions.

Affirm offers a Pay in 4 option for $50–$249.99 orders at 0% APR, paid every two weeks, so it may suit shoppers whose purchase and payment cadence fit those terms. Afterpay has a free Pay in 4 plan with four interest-free installments over six weeks and the first payment upfront, subject to eligibility. Atome offers Pay-in-3 at 0% interest in three monthly payments, with the first due at purchase, at participating merchants.

Kueski Pay is another installment option. Zip offers a $5.93 USD per-transaction Standard plan for startups, SMBs and growing businesses, with no monthly or annual fees. Zilch is another alternative.

Verdict

Choose Tabby if you are an eligible shopper in Saudi Arabia, the UAE or Kuwait who wants fee-free Pay in 4 alongside deals and price tools, or a merchant seeking several ways to accept payments. Its broad mix of checkout, shopping and merchant services is the draw. Look elsewhere if you need broader regional coverage, assured approval or a longer repayment plan without a possible service fee.