Tamara
Tamara is a payment solution that lets shoppers split purchases at participating stores.
What Tamara is
Tamara is a payment solution that lets shoppers split purchases at participating stores. It is available online and in-store at most stores across Saudi Arabia and the UAE, with Android, iOS, and web access. Its Saudi financing page lists payment schedules of 3, 4, 6, 9, 12, and 24 months. Pay in 3 offers three equal monthly payments at 0% APR for no cost, subject to eligibility and the merchant's offer. The stated maximum spending limit is SAR 50,000, depending on merchant availability, credit score, and payment history. Tamara says missed payments do not incur late fees, but repeated delays may suspend an account and affect credit score. Exclusive Deals may apply automatically at checkout or through a promo code. For merchants, Tamara Business offers online, in-store, and QR payment options, saved cards, Mada, Apple Pay, and one-click checkout. It lists integrations including Shopify, WooCommerce, Magento, Salla, Zid, Paymob, and OpenCart, among others. Merchants are paid upfront when customers split purchases into installments. Pricing is on request; Tamara Smart is a UAE-only membership at 19 AED a month after its first free month.
Good
- Installment schedules range from 3 to 24 months.
- Pay in 3 offers three monthly payments at 0% APR.
- Available online and in-store at most stores across Saudi Arabia and the UAE.
- Merchants are paid upfront when customers split purchases.
Watch out
- The SAR 50,000 limit depends on eligibility factors.
- Repeated late payments may suspend accounts and affect credit scores.
- Pricing is on request.
Who it suits
Tamara suits shoppers who want to split eligible purchases at participating stores in its supported markets. Its merchant tools are for businesses seeking online, in-store, or QR payment options and listed platform integrations.
Verdict
Tamara offers shoppers several installment schedules and merchants multiple payment channels. Eligibility, merchant availability, and the effects of repeated delays are important considerations.
Plans and prices
From Tamara's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Pay in 3 | Free | 3 equal monthly payments · 0% APR · available subject to eligibility and merchant offer |
| Tamara Smart | 19 AED a month | UAE only · 1% cashback per order up to AED 250 monthly · processing fee waiver up to 1% · Free for the first month, then AED 19 monthly |
The facts
Each one read from Tamara's own pages, with the date it was checked.
What it does
- Deals
- Exclusive Deals may apply automatically at checkout or be redeemed with promo codes on the store checkout page.checked 8 Oct 2026
- Integrations
- The merchant page lists Shopify, WooCommerce, Magento, Salla, Zid, Paymob, OpenCart, and other platform integrations.checked 8 Oct 2026
- Merchant features
- Tamara Business offers online, in-store, and QR payment options, plus saved cards, Mada, Apple Pay, and one-click checkout.checked 8 Oct 2026
- Merchant settlement
- Tamara says merchants are paid upfront when customers split purchases into installments.checked 8 Oct 2026
- No late fees
- The company says missed payments do not incur late fees, though repeated delays may suspend an account and affect credit score.checked 8 Oct 2026
- Online and in-store
- Tamara says it is available online and in-store at most stores across Saudi Arabia and the UAE.checked 8 Oct 2026
- Payment schedules
- Its Saudi financing page lists payment schedules of 3, 4, 6, 9, 12, and 24 months.checked 8 Oct 2026
- Purchase limit
- The stated maximum spending limit is SAR 50,000, subject to merchant availability, credit score, and payment history.checked 8 Oct 2026
- Regulation
- Tamara Finance Company says it is under Saudi Central Bank supervision and control, under License No. 95/A Sh/202502.checked 8 Oct 2026
- Security
- Tamara says it monitors transactions around the clock and protects transactions and data using advanced encryption technologies.checked 8 Oct 2026
- Security disclosure
- Tamara’s disclosure page says it responds to vulnerability submissions within 14 business days and that its bug bounty program is temporarily closed.checked 8 Oct 2026
- Smart membership
- Tamara Smart is described as a UAE-only membership with a one-month free period, monthly billing, and cancellation at any time.checked 8 Oct 2026
- Support
- The Saudi site lists the Help Center and support telephone number 8001181118.checked 8 Oct 2026
- What it does
- Tamara is a payment solution that lets shoppers split payments for purchases at participating stores.checked 8 Oct 2026
The company
- Headquarters
- Riyadh, Saudi Arabiachecked 28 Sep 2026
