What are the exact Tabby merchant charges and commission rates across UAE and KSA?

Tabby charges merchants a commission discount rate typically between 4.0% and 6.0% per transaction, plus a fixed order fee of 1.00 AED or 1.00 SAR. There are zero setup charges, zero monthly gateway fees, and zero maintenance costs. Because Tabby increases average order value by ~35% and assumes 100% of consumer credit risk, the net profit gain consistently outweighs the processing fee.

Is Tabby Business halal and Shariah-compliant for Saudi and Emirati shoppers?

Yes. Tabby is officially certified as halal and Shariah-compliant by independent Islamic finance scholars and regional Shariah supervisory boards. Tabby charges shoppers 0% interest (zero Riba) and zero compounding rates across its 4-month installment plans, deriving revenue exclusively through permissible merchant service commissions (Murabaha/Ujrah).

How fast do merchants receive payouts from the Tabby Dashboard?

Tabby settles merchant payouts on a next-business-day (T+1) basis. Every morning at 9:00 AM GST, Tabby transfers 100% of the net transaction proceeds from approved orders directly to your corporate UAE or Saudi bank account in AED or SAR, regardless of when the shopper pays off their remaining future installments.

What happens if a shopper misses their Tabby installment or defaults on payment?

Merchants are 100% protected against credit default and fraud chargebacks. Once Tabby approves an order at checkout, Tabby assumes complete financial responsibility. If the shopper never pays their subsequent installments, the merchant keeps the full T+1 payout received on day one.

How do merchants integrate Tabby with Shopify or WooCommerce?

For Shopify and WooCommerce, Tabby offers 1-click plugins. Merchants simply install the official Tabby plugin from the app store, enter their unique Public and Secret API keys generated inside the Tabby Merchant Dashboard (partner.tabby.ai), and enable the promotional snippet so installment breakdowns display dynamically on product pages and cart drawers.

Tabby for Business in UAE & KSA (2026): Merchant Fees, Halal Compliance, Dashboard & Integration Guide

In 2026, Buy Now, Pay Later (BNPL) has transitioned from an optional e-commerce perk to a mandatory checkout infrastructure across the United Arab Emirates and Saudi Arabia. With over 6 million active app users and daily shopping transactions running into tens of millions of dirhams and riyals, Tabby dominates the Gulf consumer financing landscape.

Yet, when e-commerce founders, retail CFOs, and technical leads evaluate Tabby for Business, three critical questions consistently emerge:

What are the exact Tabby merchant charges and fees, and how do they impact unit economics?

Is Tabby legitimately Halal and Shariah-compliant for conservative Saudi and Emirati shoppers?

How does the Tabby Merchant Dashboard handle next-day seller payouts, refunds, and API webhooks?

This expert-led guide breaks down the real commercial, religious, and technical realities of integrating Tabby across your UAE and KSA sales channels in 2026.

Why Gulf Shoppers Demand BNPL at Checkout

To understand why merchants pay Tabby’s commission, you must first understand GCC consumer behavior. Unlike Western markets where revolving credit cards dominate, Gulf shoppers—particularly in Saudi Arabia—historically favored cash-on-delivery (COD) or direct Mada debit cards due to cultural and religious sensitivity toward Riba (interest).

When Tabby introduced a seamless 4-split payment model with zero interest, zero fees, and zero hidden penalties, it unlocked massive pent-up purchasing power across fashion, electronics, cosmetics, and travel:

Payment Metric	Standard Debit / Card Checkout	Checkout with Tabby BNPL	Net Impact on Store
Average Order Value (AOV)	280 AED / SAR	380 AED / SAR	+35.7% Increase
Cart Conversion Rate	2.1%	2.6%	+23.8% Increase
Cart Abandonment Rate	72%	58%	-14.0% Reduction
Merchant Credit Risk	Chargeback risk on card fraud	0% Risk (Tabby assumes 100%)	Total Risk Transfer

When a shopper sees "Pay 4 interest-free payments of 125 AED" directly beneath a 500 AED product title, price friction evaporates.

Tabby Business Charges & Merchant Fee Structure Explained

While consumers pay exactly 0% interest and $0 fees when paying on time, Tabby derives its commercial revenue from merchant commissions. Because Tabby pays the merchant upfront and assumes 100% of the default and fraud risk, its fees are higher than standard card processing gateways like Checkout.com or Telr:

The Exact 2026 Merchant Fee Schedule:

Merchant Commission (MDR): Typically 4.0% to 6.0% of the total transaction value.
Fixed Order Fee: Flat 1.00 AED or 1.00 SAR per approved order.
Setup & Onboarding Fee: $0 (Free).
Monthly Gateway Fee: $0 (Free).
Settlement Timeline: Next Business Day (T+1) directly to local bank accounts in AED or SAR.

The ROI Math: Does a 5% Fee Eat Your Net Profit?

Many finance directors balk at paying ~5% to Tabby when standard Mastercard/Visa acquiring costs ~2.2%. Let’s examine a real-world unit economics comparison for a retail store doing 1,000 orders per month without vs. with Tabby:

[SCENARIO A: Standard Card Checkout Only (No Tabby)]
• 1,000 Orders @ 280 AED AOV = 280,000 AED Gross Revenue
• Payment Gateway Fee (2.2% + 1 AED) = 7,160 AED
• Net Revenue After Payment Fees = 272,840 AED

[SCENARIO B: Adding Tabby BNPL (30% of buyers choose Tabby, AOV lifts to 380 AED for Tabby orders)]
• 700 Card Orders @ 280 AED = 196,000 AED (Card Fee: 5,012 AED)
• 300 Tabby Orders @ 380 AED = 114,000 AED (Tabby 5% + 1 AED Fee: 6,000 AED)
• Total Gross Revenue = 310,000 AED (+30,000 AED incremental revenue)
• Total Payment Fees (Card + Tabby) = 11,012 AED
• Net Revenue After Payment Fees = 298,988 AED (+26,148 AED net profit gain)

As the math proves, the incremental revenue generated by larger basket sizes and higher conversion easily pays for the 5% commission while depositing an extra 26,148 AED straight to the bottom line.

Is Tabby Halal? Shariah Compliance & Zakat Explained

A primary search query across Saudi Arabia and the UAE is: "Is Tabby halal and Shariah-compliant?"

The answer is an unequivocal Yes. Tabby Halal Solutions has undergone rigorous scrutiny by leading Islamic finance scholars and independent Shariah advisory boards across the GCC. It operates under two compliant structures:

Zero Riba (No Interest): Shoppers are never charged interest. A 400 SAR item costs exactly four installments of 100 SAR. There are no compounding rates over time.

Permissible Service Commission (Ujrah / Murabaha): Tabby acts as a financial intermediary and marketing facilitator. The fee paid by the merchant is recognized as a permissible service commission for sales enablement, instant payout facilitation, and credit risk assumption.

Capped & Ethical Late Management: Unlike credit cards that penalize struggling debtors with compounding interest, Tabby freezes the account of any user who misses a payment so they cannot accumulate debt across new purchases.

Displaying the official Arabic Shariah-compliance badge ("متوافق مع الشريعة الإسلامية") at checkout provides critical psychological reassurance to conservative Gulf buyers.

Inside the Tabby Merchant Dashboard: Payouts & Refunds

Once integrated, your operations and accounting teams manage daily workflows via the unified Tabby Merchant Dashboard (partner.tabby.ai). Here is how key financial operations function:

1. Next-Day (T+1) Seller Settlements

Tabby does not hold merchant funds until the consumer pays off their 4-month plan. Every business day at 9:00 AM Gulf Standard Time, Tabby batches all approved transactions from the previous day, deducts the MDR commission, and initiates an automated wire transfer directly to your UAE (IBAN starting with AE) or KSA (IBAN starting with SA) corporate bank account.

2. Automated Refund & Return Handling

When a customer returns an item in store or online:

Your support agent clicks "Refund" inside your Shopify/WooCommerce order page or inside the Tabby Merchant Dashboard.
Tabby immediately cancels any remaining future installments for the shopper and refunds whatever installments they have already paid back to their card.
The refunded transaction amount (minus the non-refundable processing fee depending on your contract SLA) is debited cleanly from your next day’s payout settlement batch.

3. Real-Time Webhook & Order Analytics

The dashboard provides live telemetry on Approval Rates, Average Order Value breakdown (Tabby vs. Cards), and Customer Repeat Purchase Frequency. If a customer's BNPL application is declined due to low credit score, the webhook triggers an instant fallback inside your checkout, allowing the buyer to switch seamlessly to Apple Pay or credit card without abandoning the session.

Step-by-Step Integration Guide (Shopify, WooCommerce & Custom API)

1. Shopify & Shopify Plus (1-Click Install)

Install the official Tabby Checkout app from the Shopify App Store.

Paste your Public Key and Secret Key from the Tabby Dashboard into the plugin settings.

Enable the Tabby Promotional Snippet (Tabby Promo Widget) inside your Shopify Theme Editor so price breakdowns appear on every product page and cart drawer.

2. WooCommerce (WordPress)

Download the official Tabby WooCommerce Plugin zip directly from the Tabby Partner portal or WordPress repository.

Navigate to WooCommerce > Settings > Payments > Tabby and input your API credentials.

Set your geo-restrictions so Tabby only appears when the billing/shipping country is set to United Arab Emirates (AED) or Saudi Arabia (SAR).

3. Custom REST API Integration

For custom React/Node.js web apps or mobile marketplaces, Tabby provides a clean REST API:

Create Session Endpoint: POST https://api.tabby.ai/api/v2/checkout containing the order items, buyer phone number, and webhook URLs.
Webhooks: Listen for payment.authorized, payment.captured, and payment.refunded events to trigger inventory release and automated invoicing inside your ERP.

Tabby vs. Competitors: Where Should You Integrate?

While Tabby is the absolute leader across the UAE and KSA combined, merchants should understand the broader payment gateway and BNPL landscape:

Tabby: Best overall consumer network (6M+ users), highest app daily active users, and superior bilingual merchant dashboard.
Tamara: Extremely strong challenger inside Saudi Arabia, backed by PIF (Sanabil), with deep KSA retail store integrations.
Postpay: Boutique BNPL player popular among UAE luxury fashion brands offering customized checkout UI options.

Summary Checklist for GCC Merchants

If you are setting up Tabby for Business this quarter, follow this operational checklist:

[x] Verify IBAN Matching: Ensure your bank account name exactly matches your UAE/KSA Trade License to avoid settlement delays.
[x] Embed On-Page Widgets: Never hide Tabby on the final checkout screen—display installment breakdowns on product pages where price decisions happen.
[x] Highlight Shariah Compliance: Display the Halal badge on your checkout and FAQ pages to maximize conversion among conservative buyers.
[x] Monitor Margin Economics: If you sell low-margin electronics (under 8% gross margin), negotiate a custom MDR tier with your Tabby account manager before scaling paid ads.

By leveraging Tabby’s consumer network and zero-risk financing infrastructure, your store transforms price barriers into immediate, high-margin sales.