# Tabby

**Canonical:** https://apis.io/providers/tabby/  
**Website:** https://tabby.ai  
**APIs profiled:** 4

Tabby is the MENA region's largest buy-now-pay-later (BNPL) provider, founded in 2019 by Hosam Arab (ex-Namshi) and Daniil Barkalov, originally in Dubai and now headquartered in Riyadh ahead of a planned IPO. Tabby reached a $3.3B valuation in a February 2025 Series E ($160M co-led by Blue Pool Capital and Hassana Investment Company), making it the most valuable fintech in the Middle East, and reports 15M+ users, 40,000+ merchants, and $10B+ in annualized transaction volume across KSA, UAE, and Kuwait. The Tabby API powers split-purchase checkouts (Pay-in-4 interest-free, monthly plans up to 12 months), payment lifecycle management, webhooks, and dispute resolution, complemented by Tabby Card (Visa-enabled), Tabby Shop discovery, Tabby Care purchase protection, and the Tabby Plus loyalty programme. Public developer surface includes a versioned REST API across two regional hosts (api.tabby.ai for UAE/Kuwait, api.tabby.sa for KSA), an OpenAPI 3.1 specification, iOS / Android / Flutter / React Native SDKs, and certified Magento 2, Shopify, WooCommerce, Salla, Zid, OpenCart, ExpandCart, Matjrah, Salesforce, and Odoo plugins.

## Kin Score — 53.9 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.4 from 53.5).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 73.6 |
| Governance | 28.8 |
| Contract Governance | 28.8 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 61.9 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 37.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise · Self-serve signup — onboarding: self-serve, pricing: enterprise, trial: no (confidence: high).

## APIs (4)

- **Tabby Checkout API** — Checkout is a whole process of customer data collection and payment authorization.
- **Tabby Disputes API** — The Disputes API is designed to simplify the process of handling disputes and help merchants resolve issues with customer orders more efficiently. Merchants can use this API to ...
- **Tabby Payments API** — The core of tabby is a payments flow enabling you to handle payments at your webstore.
- **Tabby Webhooks API** — Manage webhook endpoints.

## Agentic access (1)

- **Tabby Agentic Access** — 19 operations · 12 acting

## Security (2)

- **Tabby Authentication** — http · 1 scheme
- **Tabby Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Tabby Plans Pricing**

## Tags

BNPL, Buy Now Pay Later, Consumer Finance, E-Commerce, Fintech, Installments, MENA, Payments, Saudi Arabia, UAE

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tabby/). Scores are computed from the provider's own public artifacts under a published rubric.