Tabby and Tamara cover everyday baskets with CBUAE licences; Cashew reaches higher-value purchases up to AED 150,000 via its Mashreq partnership. All three pay the merchant upfront and carry the customer credit risk.
Catalogue updated
Tabby for Business Tabby The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology
Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology
Let customers split purchases into interest-free instalments — you get paid upfront, Tabby takes the credit risk. The largest BNPL acceptance network in the UAE.
Merchant fees are quoted per merchant; customer instalments are interest-free per provider terms, Oct 2026.
GCC BNPL provider with CBUAE restricted-finance and SVF approvals — instalment acceptance at online and in-store checkout, strong in fashion and e-commerce.
Merchant terms quoted individually; licensing per CBUAE announcements, Oct 2025.
Pay-later acceptance reaching higher-value purchases — up to AED 150,000 with terms to 48 months, financed in partnership with Mashreq.
Limits and tenor per provider and Mashreq partnership material, Oct 2026; merchant fees quoted individually.
| Product | Card rate | + per txn | Monthly fee | Settlement |
|---|---|---|---|---|
| Tabby for Business | Not published | Not published | Not published | Not published |
| Tamara for Business | Not published | Not published | Not published | Not published |
| Cashew for Business | Not published | Not published | Not published | Not published |
No UAE BNPL provider publishes a merchant discount rate card — the fee is agreed per merchant at onboarding. The honest first comparison is settlement mechanics, shopper fees and sector coverage; the rate itself is negotiated.
| Provider | Merchant fee published | Merchant settlement | Shopper cost |
|---|---|---|---|
| TabbyTabby business page | Not published — agreed per merchant at onboarding and varies by sector and volume | Full order amount upfront less the agreed fee; customer default risk sits with the provider | Interest-free split payments and instalment plans up to 12 months |
| TamaraTamara settlement help | Not published — contractual per store; the agreed rate surfaces in the Partners Portal | Settles the full order amount less agreed fees; published help describes flexible and weekly payout schedules | Split-payment plans may carry a shopper processing fee of up to 1% |
| CashewCashew UAE site | Not published — terms issued during onboarding after early-access application | Merchant paid the full amount upfront at the time of sale; Cashew collects the instalments | Instalments up to 12 monthly payments on higher tickets |
An unpublished merchant fee is not a zero fee — request a written quote from each provider for the same order volume and category before comparing.
Apply with the same basket size, monthly volume and product category to all three so the negotiated quotes are comparable.
Fact sources: tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com · tamarapay.zendesk.com
For a free-zone company: All products here onboard free-zone entities — compare on fees next.