Tamara

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.
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-checkout-api
    name: Tamara Checkout API
    description: >-
      Create online checkout sessions that send customer and order information to Tamara and receive a hosted checkout
      URL where the consumer completes the BNPL or Pay-Now flow. Supports SAR, AED, BHD, KWD, and OMR across Saudi
      Arabia, the UAE, Bahrain, Kuwait, and Oman.
    humanURL: https://docs.tamara.co/reference/createcheckoutsession
    baseURL: https://api.tamara.co
    tags:
      - Checkout
      - BNPL
      - Payments
      - Orders
    properties:
      - url: https://docs.tamara.co/reference/createcheckoutsession
        type: Documentation
      - url: https://docs.tamara.co/docs/direct-quick-start-guide
        type: QuickStart
      - url: openapi/tamara-checkout-api-openapi.yml
        type: OpenAPI
      - url: rules/tamara-rules.yml
        type: Spectral
    contact:
      - FN: Tamara Merchant Support
        url: https://docs.tamara.co/
  - 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-payments-api
    name: Tamara Payments API
    description: >-
      Capture funds against an authorised order and process refunds. Includes the legacy /payments/refund endpoint and
      the modern /payments/simplified-refund/{order_id} surface introduced to simplify partial and full refunds against
      captures.
    humanURL: https://docs.tamara.co/reference/captureorder
    baseURL: https://api.tamara.co
    tags:
      - Payments
      - Captures
      - Refunds
    properties:
      - url: https://docs.tamara.co/reference/captureorder
        type: Documentation
      - url: https://docs.tamara.co/reference/simplifiedrefund
        type: Documentation
      - url: openapi/tamara-payments-api-openapi.yml
        type: OpenAPI
      - url: json-schema/tamara-capture-schema.json
        type: JSONSchema
      - url: json-schema/tamara-refund-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-channel-partners-api
    name: Tamara Channel Partners API
    description: >-
      Allow payment service providers, platforms, and aggregators to onboard merchants onto Tamara on their behalf.
      Submit merchant KYB/KYC information, retrieve onboarding status and merchant API keys, and register onboarding
      event webhooks. Hosted on a dedicated partner subdomain (partner-api.tamara.co).
    humanURL: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
    baseURL: https://partner-api.tamara.co
    tags:
      - Channel Partners
      - Onboarding
      - KYB
      - KYC
      - PSP
    properties:
      - url: https://docs.tamara.co/reference/post_channel-partners-merchant-onboarding-create
        type: Documentation
      - url: openapi/tamara-channel-partners-api-openapi.yml
        type: OpenAPI
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/tamara/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/tamara-authorise-and-capture-order-workflow.yml
        name: Tamara Authorise and Capture Order
        summary: Inspect an order, authorise it when approved, then capture funds on fulfilment.
      - url: arazzo/tamara-authorise-capture-refund-order-workflow.yml
        name: Tamara Authorise, Capture and Refund Order
        summary: Run the full post-checkout money lifecycle — authorise, capture, then refund.
      - url: arazzo/tamara-capture-and-legacy-refund-workflow.yml
        name: Tamara Capture and Legacy Refund
        summary: Capture an authorised order, then refund against the returned capture id.
      - url: arazzo/tamara-capture-and-refund-order-workflow.yml
        name: Tamara Capture and Refund Order
        summary: Capture funds against an authorised order, then issue a simplified refund.
      - url: arazzo/tamara-create-and-authorise-order-workflow.yml
        name: Tamara Create and Authorise Order
        summary: Create a checkout session, poll the resulting order, and authorise it once approved.
      - url: arazzo/tamara-eligibility-gated-checkout-workflow.yml
        name: Tamara Eligibility-Gated Checkout
        summary: Check pre-checkout eligibility, then create a checkout session only when eligible.
      - url: arazzo/tamara-full-bnpl-lifecycle-workflow.yml
        name: Tamara Full BNPL Lifecycle
        summary: Create a checkout session, confirm approval, authorise, and capture in one flow.
      - url: arazzo/tamara-order-status-cancel-workflow.yml
        name: Tamara Order Status Cancel
        summary: Read an order's status and cancel it only when it is still cancellable.
      - url: arazzo/tamara-order-status-refund-workflow.yml
        name: Tamara Order Status Refund
        summary: Read an order's status and refund it only when funds have been captured.
  - 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: SDK
    name: Tamara PHP SDK
    url: https://github.com/Tamara-Technology/php-sdk
  - type: SDK
    name: Tamara .NET SDK
    url: https://github.com/Tamara-Technology/dotnet-sdk
  - type: SDK
    name: Tamara iOS SDK
    url: https://github.com/Tamara-Technology/ios-sdk
  - type: SDK
    name: Tamara Android SDK
    url: https://github.com/Tamara-Technology/android-sdk
  - type: SDK
    name: Tamara Flutter SDK Example
    url: https://github.com/Tamara-Technology/flutter-sdk-example
  - type: SDK
    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: Integration
    name: Salla
    url: https://docs.tamara.co/docs/salla
  - type: Integration
    name: Amazon Payment Services
    url: https://docs.tamara.co/docs/amazon-payment-services
  - type: Integration
    name: Checkout.com
    url: https://docs.tamara.co/docs/checkoutcom
  - type: Integration
    name: PayTabs
    url: https://docs.tamara.co/docs/paytabs
  - type: Integration
    name: CCAvenue
    url: https://docs.tamara.co/docs/cc-avenue
  - type: Integration
    name: Qoyod
    url: https://docs.tamara.co/docs/qoyod
  - type: Integration
    name: Osarah Pro
    url: https://docs.tamara.co/docs/osarah-pro
  - type: Integration
    name: Shahbandr
    url: https://docs.tamara.co/docs/shahbandr
  - type: Integration
    name: Techrar
    url: https://docs.tamara.co/docs/techrar
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com
    url: https://apievangelist.com