Tamara website screenshot

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 6 APIs on the APIs.io network, including Captures API, Channel Partner Webhooks API, Checkout Sessions API, and 3 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 39 more developer resources.

47.0/100 developing ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
3 APIs
BNPLBuy Now Pay LaterFintechPaymentsCheckoutShariah CompliantMENASaudi ArabiaUAEInstallmentsPay LaterMerchant ServicesOrderRefundsCaptureWebhookDisputesChannel PartnersE-CommercePoint-of-Sale

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 6

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

Tamara Captures API

The Captures API from Tamara — 1 operation(s) for captures.

Tamara Channel Partner Webhooks API

The Channel Partner Webhooks API from Tamara — 2 operation(s) for channel partner webhooks.

Tamara Checkout Sessions API

Create and manage hosted-checkout sessions.

Tamara Merchant API Keys API

The Merchant API Keys API from Tamara — 1 operation(s) for merchant api keys.

Tamara Merchant Onboarding API

The Merchant Onboarding API from Tamara — 2 operation(s) for merchant onboarding.

Tamara Refunds API

The Refunds API from Tamara — 2 operation(s) for refunds.

Postman Collections 8

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll for all 8

Open Collections 15

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Tamara Checkout API

OPEN COLLECTION

Tamara Payments API

OPEN COLLECTION

Scroll for all 15

Arazzo Workflows 9

Multi-step API workflows described with the Arazzo specification.

Tamara Authorise and Capture Order

Inspect an order, authorise it when approved, then capture funds on fulfilment.

ARAZZO

Tamara Authorise, Capture and Refund Order

Run the full post-checkout money lifecycle — authorise, capture, then refund.

ARAZZO

Tamara Capture and Legacy Refund

Capture an authorised order, then refund against the returned capture id.

ARAZZO

Tamara Capture and Refund Order

Capture funds against an authorised order, then issue a simplified refund.

ARAZZO

Tamara Create and Authorise Order

Create a checkout session, poll the resulting order, and authorise it once approved.

ARAZZO

Tamara Eligibility-Gated Checkout

Check pre-checkout eligibility, then create a checkout session only when eligible.

ARAZZO

Tamara Full BNPL Lifecycle

Create a checkout session, confirm approval, authorise, and capture in one flow.

ARAZZO

Tamara Order Status Cancel

Read an order's status and cancel it only when it is still cancellable.

ARAZZO

Tamara Order Status Refund

Read an order's status and refund it only when funds have been captured.

ARAZZO

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.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Tamara Context

0 classes · 7 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Tamara API Rules

5 rules · 4 warnings 1 info

SPECTRAL

Tamara API Rules

6 rules · 6 warnings

SPECTRAL

JSON Schema 5

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

TamaraCapture

6 properties

JSON SCHEMA

TamaraCheckoutSession

4 properties

JSON SCHEMA

TamaraDispute

9 properties

JSON SCHEMA

TamaraOrder

14 properties

JSON SCHEMA

TamaraRefund

8 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Tamara Order Structure

8 properties

JSON STRUCTURE

Examples 6

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tamara Authentication

http · 1 scheme

SECURITY

Tamara Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Tamara Agentic Access

23 operations · 17 acting

23 operations · 17 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 11

Pagination, idempotency, versioning, errors, and events

Scroll for all 11

Build 14

SDKs, sample code, and the tooling you integrate with

Scroll for all 14

Access & Security 2

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Commercial 5

Pricing, plans, and the legal terms of use

Company 5

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  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: '0.23'
x-type: company
tags:
- BNPL
- Buy Now Pay Later
- Fintech
- Payments
- Checkout
- Shariah Compliant
- MENA
- Saudi Arabia
- UAE
- Installments
- Pay Later
- Merchant Services
- Order
- Refunds
- Capture
- Webhook
- Disputes
- Channel Partners
- E-Commerce
- Point-of-Sale
tags_raw:
- 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-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:
  - Capture
  tags_raw:
  - 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: Website
  url: https://www.tamara.co/
- 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

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