Tabby

What Tabby does

Tabby presents its service as a money app covering spending, sending and saving. The app helps shoppers locate stores and deals, compare prices, monitor price drops and keep track of upcoming payments.

With Pay Later, a purchase can be paid in four interest-free installments without fees, or spread across as many as 12 monthly payments. Tabby Cash provides a spending account alongside money transfers.

Fees and plans

Pay in 4 is the free option: one purchase is divided into four interest-free payments with no fees. Pay over time is priced on request and supports up to 12 monthly payments; a service fee may apply, with any applicable charge displayed at checkout.

Transfers through Tabby Cash have no transfer fee. The Tabby Card page advertises no down payment, up to 40 days to pay and plans of up to eight months. It also advertises 5% cashback in top categories. Cash Card cashback is advertised at up to 3% in top categories.

For businesses, Tabby charges a variable commission plus a fixed amount for each successful transaction. The application provides the exact rates, which are then included in the contract. Businesses receive the purchase amount upfront, minus applicable fees, according to their payout schedule. Consumer pricing beyond the listed plans is not published; the overall pricing note says pricing on request.

Where Tabby runs

Tabby offers Android, iPhone, web and API access. Its mobile app covers shopping, deals, price checks, price-drop monitoring and payment management.

The checkout API lets a website or mobile app connect to Tabby. Plug-and-play integrations are available for Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce and ExpandCart. No separate computer application is listed.

Protection, as Tabby publishes it

Tabby identifies Tabby Payments LLC as the provider of its Cash Services and says the company is licensed by the Central Bank of the UAE. It also says Cash is licensed by that central bank.

According to Tabby, transactions are protected with encryption and two-step verification, and the service is PCI DSS certified across all operating markets. Tabby says stored personal information is shared with authorized parties only when required and characterizes its security as bank-level.

For eligible online orders with a problem, Tabby says it may suspend the remaining payments while working with the store toward a resolution, usually within 21 days. Its shopper help page says in-app chat is available around the clock.

Strengths

The Pay in 4 plan costs nothing and uses four interest-free payments. Tabby Cash transfers are also offered without a transfer fee.

One app combines deal and coupon discovery with price comparisons and price-drop monitoring. Businesses can make Tabby available online, at the point of sale, through payment links and via Tabby Card.

Catches and conditions

To use Pay Later, a customer must be at least 18, provide a valid national ID and a linked debit or credit card, and have a good credit history. The Pay over time option can include a service fee, which appears at checkout.

Tabby says its service is available in Saudi Arabia, the United Arab Emirates and Kuwait. Check your country, the checkout charge and the repayment term offered before choosing a plan.

Merchant pricing combines a commission with a fixed transaction fee, and the rates are supplied during application. Payouts are made on a schedule rather than settled instantly.

Who may want another option

Tabby may be unsuitable for people outside Saudi Arabia, the UAE or Kuwait, or for shoppers who do not satisfy its age, identity, linked-card and credit-history requirements. It may also not suit a transaction where a checkout service fee or scheduled merchant payout is undesirable.

Verdict

Tabby is aimed at shoppers in its three listed markets who want deal-finding features, payment tracking, four fee-free installments and a separate transfer service. For businesses, it supports online, in-store and payment-link checkout, together with integrations and an API.

It is less suitable for people outside those markets, lacking the required identity or linked card, or seeking a clearly published price for longer payment plans. Businesses need to obtain their commission and fixed transaction fee during application and accept scheduled payouts.

Questions