Tamara

Tamara is the Saudi Arabia–headquartered MENA shopping and Buy-Now-Pay-Later platform offering Shariah-compliant split-payment and Pay-Now solutions across Saudi Arabia, the United Arab Emirates, Kuwait, Bahrain, and Oman. Founded in 2020 and licensed by SAMA (Saudi Central Bank), Tamara provides merchants with a hosted-checkout Direct API, in-store SMS and QR payment links, mobile SDKs for iOS, Android, Flutter, and React Native, plug-and-play e-commerce extensions for Shopify, Magento, OpenCart, PrestaShop, Salesforce Commerce Cloud and WooCommerce, webhooks for order and dispute lifecycle events, and a Channel Partners onboarding API for payment service providers and platforms that white-label Tamara. The company became the first homegrown Saudi fintech unicorn in December 2023 after raising a US$340M Series C led by SNB Capital and Sanabil Investments and is backed by debt facilities from Goldman Sachs, Citi, and Apollo for its Shariah-compliant funding base.

Tamara publishes 11 APIs on the APIs.io network, including Orders API, In-Store Checkout API, Webhooks API, and 8 more. Tagged areas include BNPL, Buy Now Pay Later, Fintech, Payments, and Checkout.

The Tamara catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Tamara’s developer surface includes authentication, documentation, API reference, getting-started guide, status page, support, signup flow, and 38 more developer resources.

🌐 Visit website 📡 Source on GitHub

58.4/100 strong ▼ -6.5 Agent 41/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessSelf serve

11 APIs

BNPLBuy Now Pay LaterFintechPaymentsCheckoutShariah CompliantMENASaudi ArabiaUAEInstallmentsPay LaterMerchant ServicesOrdersRefundsCapturesWebhooksDisputesChannel PartnersE-commercePOS

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 58.4/100 · strong

Contract Quality 17.4 / 25

Developer Ergonomics 12.6 / 20

Commercial Clarity 12.1 / 20

Operational Transparency 4.1 / 13

Governance 8.3 / 12

Discoverability 7.4 / 10

Agent readiness — 41/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tamara: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Scroll for all 9

Pricing Plans 1

Published pricing tiers and plan structures.

Tamara Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Tamara Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

JSON Schema 5

Standalone JSON Schema definitions for this provider's data models.

Examples 6

Example request and response payloads for these APIs.

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Signup

Signup

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 11

Pagination, idempotency, versioning, errors, and events

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

Arazzo

JSONLD

Vocabulary

Scroll for all 11

Build 14

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

Github

SDKs

SDKs

SDKs

SDKs

SDKs

SDKs

Plugin

Plugin

Plugin

Plugin

Plugin

Plugin

Scroll for all 14

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

Status

Support

ContactForm

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Pricing

Plans

FinOps

Company 4

The organization behind the API

Blog

Blog

LinkedIn

Twitter

Twitter

Instagram

Instagram

Source (apis.yml)

aid: tamara
name: Tamara
description: Tamara is the Saudi Arabia–headquartered MENA shopping and Buy-Now-Pay-Later platform offering Shariah-compliant
  split-payment and Pay-Now solutions across Saudi Arabia, the United Arab Emirates, Kuwait, Bahrain, and Oman. Founded in
  2020 and licensed by SAMA (Saudi Central Bank), Tamara provides merchants with a hosted-checkout Direct API, in-store SMS
  and QR payment links, mobile SDKs for iOS, Android, Flutter, and React Native, plug-and-play e-commerce extensions for Shopify,
  Magento, OpenCart, PrestaShop, Salesforce Commerce Cloud and WooCommerce, webhooks for order and dispute lifecycle events,
  and a Channel Partners onboarding API for payment service providers and platforms that white-label Tamara. The company became
  the first homegrown Saudi fintech unicorn in December 2023 after raising a US$340M Series C led by SNB Capital and Sanabil
  Investments and is backed by debt facilities from Goldman Sachs, Citi, and Apollo for its Shariah-compliant funding base.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://tamara.co/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/tamara/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.16'
x-type: company
tags:
- BNPL
- Buy Now Pay Later
- Fintech
- Payments
- Checkout
- Shariah Compliant
- MENA
- Saudi Arabia
- UAE
- Installments
- Pay Later
- Merchant Services
- Orders
- Refunds
- Captures
- Webhooks
- Disputes
- Channel Partners
- E-commerce
- POS
apis:
- aid: tamara:tamara-orders-api
  name: Tamara Orders API
  description: Authorize, capture, cancel, retrieve, and update orders created via Tamara checkout sessions. Mirrors the online
    checkout lifecycle (new → approved → authorised → captured → refunded) and is the merchant's primary post-checkout integration
    surface.
  humanURL: https://docs.tamara.co/reference/authoriseorder
  baseURL: https://api.tamara.co
  tags:
  - Orders
  - Authorise
  - Capture
  - Cancel
  - BNPL
  properties:
  - url: https://docs.tamara.co/reference/authoriseorder
    type: Documentation
  - url: https://docs.tamara.co/docs/online-order-status-flow
    type: Documentation
  - url: openapi/tamara-orders-api-openapi.yml
    type: OpenAPI
  - url: json-schema/tamara-order-schema.json
    type: JSONSchema
- aid: tamara:tamara-in-store-checkout-api
  name: Tamara In-Store Checkout API
  description: Generate Tamara checkout sessions for brick-and-mortar stores through SMS payment links or QR codes that customers
    scan with the Tamara consumer app to complete the BNPL purchase in-aisle. Includes the void operation for in-store sessions
    that need to be cancelled before completion.
  humanURL: https://docs.tamara.co/reference/createinstorecheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - In-store
  - POS
  - SMS
  - QR Code
  - Checkout
  - BNPL
  properties:
  - url: https://docs.tamara.co/reference/createinstorecheckoutsession
    type: Documentation
  - url: https://docs.tamara.co/reference/createinstoreqrcode
    type: Documentation
  - url: https://docs.tamara.co/docs/pos-integration
    type: Documentation
  - url: openapi/tamara-in-store-checkout-api-openapi.yml
    type: OpenAPI
- aid: tamara:tamara-webhooks-api
  name: Tamara Webhooks API
  description: Register and manage HTTPS webhook endpoints that receive order and dispute lifecycle events from Tamara (order_approved,
    order_authorised, order_captured, order_refunded, order_canceled, order_expired, dispute events, and more). Webhooks carry
    a JWT-encoded `tamaraToken` for verification.
  humanURL: https://docs.tamara.co/reference/getting-started-with-webhooks
  baseURL: https://api.tamara.co
  tags:
  - Webhooks
  - Events
  - Notifications
  properties:
  - url: https://docs.tamara.co/reference/getting-started-with-webhooks
    type: Documentation
  - url: https://docs.tamara.co/docs/transaction-authorisation
    type: Documentation
  - url: openapi/tamara-webhooks-api-openapi.yml
    type: OpenAPI
- aid: tamara:tamara-disputes-api
  name: Tamara Disputes API
  description: Query, filter, and update merchant disputes raised against Tamara orders. Supports listing disputes by order
    id, dispute id, order status, or dispute status; and appending comments and proof attachments to an existing dispute case.
  humanURL: https://docs.tamara.co/reference/get_external-merchants-orders-disputes
  baseURL: https://api.tamara.co
  tags:
  - Disputes
  - Chargebacks
  - Merchant Operations
  properties:
  - url: https://docs.tamara.co/reference/get_external-merchants-orders-disputes
    type: Documentation
  - url: https://docs.tamara.co/docs/dispute-management-best-practices
    type: Documentation
  - url: openapi/tamara-disputes-api-openapi.yml
    type: OpenAPI
- aid: tamara:tamara-eligibility-api
  name: Tamara Pre-Checkout Eligibility API
  description: Check whether Tamara considers a customer eligible for a BNPL purchase before exposing Tamara as a payment
    method on the merchant's checkout page. The endpoint accepts an order amount/currency and a customer phone number and
    returns a boolean eligibility indicator.
  humanURL: https://docs.tamara.co/reference/pre-checkout-eligibility
  baseURL: https://api.tamara.co
  tags:
  - Eligibility
  - Pre-Checkout
  - Risk
  properties:
  - url: https://docs.tamara.co/reference/pre-checkout-eligibility
    type: Documentation
  - url: openapi/tamara-eligibility-api-openapi.yml
    type: OpenAPI
- aid: tamara:tamara-captures-api
  name: Tamara Captures API
  description: The Captures API from Tamara — 1 operation(s) for captures.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Captures
  properties:
  - type: OpenAPI
    url: openapi/tamara-captures-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
- aid: tamara:tamara-channel-partner-webhooks-api
  name: Tamara Channel Partner Webhooks API
  description: The Channel Partner Webhooks API from Tamara — 2 operation(s) for channel partner webhooks.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Channel Partner Webhooks
  properties:
  - type: OpenAPI
    url: openapi/tamara-channel-partner-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
- aid: tamara:tamara-checkout-sessions-api
  name: Tamara Checkout Sessions API
  description: Create and manage hosted-checkout sessions.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Checkout Sessions
  properties:
  - type: OpenAPI
    url: openapi/tamara-checkout-sessions-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
- aid: tamara:tamara-merchant-api-keys-api
  name: Tamara Merchant API Keys API
  description: The Merchant API Keys API from Tamara — 1 operation(s) for merchant api keys.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Merchant API Keys
  properties:
  - type: OpenAPI
    url: openapi/tamara-merchant-api-keys-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
- aid: tamara:tamara-merchant-onboarding-api
  name: Tamara Merchant Onboarding API
  description: The Merchant Onboarding API from Tamara — 2 operation(s) for merchant onboarding.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Merchant Onboarding
  properties:
  - type: OpenAPI
    url: openapi/tamara-merchant-onboarding-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
- aid: tamara:tamara-refunds-api
  name: Tamara Refunds API
  description: The Refunds API from Tamara — 2 operation(s) for refunds.
  humanURL: https://docs.tamara.co/reference/createcheckoutsession
  baseURL: https://api.tamara.co
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/tamara-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/createcheckoutsession
  - type: GettingStarted
    url: https://docs.tamara.co/docs/direct-quick-start-guide
  - type: Spectral
    url: rules/tamara-rules.yml
  - type: Documentation
    url: https://docs.tamara.co/reference/captureorder
  - type: Documentation
    url: https://docs.tamara.co/reference/simplifiedrefund
  - type: JSONSchema
    url: json-schema/tamara-capture-schema.json
  - type: JSONSchema
    url: json-schema/tamara-refund-schema.json
  - type: Documentation
    url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
common:
- type: AgenticAccess
  url: agentic-access/tamara-agentic-access.yml
- type: DomainSecurity
  url: security/tamara-domain-security.yml
- type: Authentication
  url: authentication/tamara-authentication.yml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/tamara/overview
- type: Arazzo
  url: arazzo/tamara-authorise-and-capture-order-workflow.yml
  name: Tamara Authorise and Capture Order
- type: Arazzo
  url: arazzo/tamara-authorise-capture-refund-order-workflow.yml
  name: Tamara Authorise, Capture and Refund Order
- type: Arazzo
  url: arazzo/tamara-capture-and-legacy-refund-workflow.yml
  name: Tamara Capture and Legacy Refund
- type: Arazzo
  url: arazzo/tamara-capture-and-refund-order-workflow.yml
  name: Tamara Capture and Refund Order
- type: Arazzo
  url: arazzo/tamara-create-and-authorise-order-workflow.yml
  name: Tamara Create and Authorise Order
- type: Arazzo
  url: arazzo/tamara-eligibility-gated-checkout-workflow.yml
  name: Tamara Eligibility-Gated Checkout
- type: Arazzo
  url: arazzo/tamara-full-bnpl-lifecycle-workflow.yml
  name: Tamara Full BNPL Lifecycle
- type: Arazzo
  url: arazzo/tamara-order-status-cancel-workflow.yml
  name: Tamara Order Status Cancel
- type: Arazzo
  url: arazzo/tamara-order-status-refund-workflow.yml
  name: Tamara Order Status Refund
- type: Documentation
  url: https://docs.tamara.co/
- type: APIReference
  url: https://docs.tamara.co/reference/tamara-api-reference-documentation
- type: GettingStarted
  url: https://docs.tamara.co/docs/direct-quick-start-guide
- type: Status
  url: https://status.tamara.co/
- type: Support
  url: https://docs.tamara.co/
- type: Signup
  url: https://partners.tamara.co/
- type: TermsOfService
  url: https://tamara.co/en-SA/legal/terms-conditions
- type: PrivacyPolicy
  url: https://tamara.co/en-SA/legal/privacy-policy
- type: Pricing
  url: https://tamara.co/en-SA/business
- type: Blog
  url: https://tamara.co/en-SA/blog
- type: ContactForm
  url: https://tamara.co/en-SA/contact-us
- type: Github
  url: https://github.com/Tamara-Technology
- type: LinkedIn
  url: https://www.linkedin.com/company/tamara-co
- type: Twitter
  url: https://twitter.com/TamaraTech
- type: Instagram
  url: https://www.instagram.com/tamara/
- type: Plans
  url: plans/tamara-plans-pricing.yml
- type: RateLimits
  url: rate-limits/tamara-rate-limits.yml
- type: FinOps
  url: finops/tamara-finops.yml
- type: JSONLD
  url: json-ld/tamara-context.jsonld
- type: Vocabulary
  url: vocabulary/tamara-vocabulary.yml
- type: SDKs
  name: Tamara PHP SDK
  url: https://github.com/Tamara-Technology/php-sdk
- type: SDKs
  name: Tamara .NET SDK
  url: https://github.com/Tamara-Technology/dotnet-sdk
- type: SDKs
  name: Tamara iOS SDK
  url: https://github.com/Tamara-Technology/ios-sdk
- type: SDKs
  name: Tamara Android SDK
  url: https://github.com/Tamara-Technology/android-sdk
- type: SDKs
  name: Tamara Flutter SDK Example
  url: https://github.com/Tamara-Technology/flutter-sdk-example
- type: SDKs
  name: Tamara React Native SDK Example
  url: https://github.com/Tamara-Technology/react-sdk-example
- type: Plugin
  name: Tamara Magento Extension
  url: https://github.com/Tamara-Technology/magento
- type: Plugin
  name: Tamara WooCommerce Plugin
  url: https://github.com/Tamara-Technology/wp-plugin-tamara-checkout
- type: Plugin
  name: Tamara OpenCart Extension
  url: https://github.com/Tamara-Technology/opencart
- type: Plugin
  name: Tamara PrestaShop Module
  url: https://github.com/Tamara-Technology/prestashop
- type: Plugin
  name: Tamara Salesforce Commerce Cloud Cartridge
  url: https://github.com/Tamara-Technology/salesforce
- type: Plugin
  name: Tamara Shopify Extension
  url: https://tamara.co/en-sa/plugins/shopify
- type: Integrations
  name: Salla
  url: https://docs.tamara.co/docs/salla
- type: Integrations
  name: Amazon Payment Services
  url: https://docs.tamara.co/docs/amazon-payment-services
- type: Integrations
  name: Checkout.com
  url: https://docs.tamara.co/docs/checkoutcom
- type: Integrations
  name: PayTabs
  url: https://docs.tamara.co/docs/paytabs
- type: Integrations
  name: CCAvenue
  url: https://docs.tamara.co/docs/cc-avenue
- type: Integrations
  name: Qoyod
  url: https://docs.tamara.co/docs/qoyod
- type: Integrations
  name: Osarah Pro
  url: https://docs.tamara.co/docs/osarah-pro
- type: Integrations
  name: Shahbandr
  url: https://docs.tamara.co/docs/shahbandr
- type: Integrations
  name: Techrar
  url: https://docs.tamara.co/docs/techrar
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
  url: https://apievangelist.com

Tamara

APIs 11

Postman Collections 8

Open Collections 8

Arazzo Workflows 9

Pricing Plans 1

Rate Limits 1

FinOps 1

Semantic Vocabularies 1

Spectral Rules 2

JSON Schema 5

JSON Structure 1

Examples 6

Security Posture 2

Agentic Access 1

Get Started 2

Documentation 2

Agent Surfaces 1

Design & Contract 11

Build 14

Access & Security 2

Operate 4

Commercial 5

Company 4

Source (apis.yml)