# Tamara

**Canonical:** https://apis.io/providers/tamara/  
**APIs profiled:** 11

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.

## Kin Score — 49.3 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.4 from 48.9).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 67.3 |
| Governance | 28.8 |
| Contract Governance | 28.8 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 50.0 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

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

## Agent readiness — 44.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| 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

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

## APIs (11)

- **Tamara Orders API** — Authorize, capture, cancel, retrieve, and update orders created via Tamara checkout sessions. Mirrors the online checkout lifecycle (new → approved → authorised → captured → ref...
- **Tamara In-Store Checkout API** — 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 purchas...
- **Tamara Webhooks API** — Register and manage HTTPS webhook endpoints that receive order and dispute lifecycle events from Tamara (order_approved, order_authorised, order_captured, order_refunded, order_...
- **Tamara Disputes API** — 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 comme...
- **Tamara Pre-Checkout Eligibility API** — 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 ...
- **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.

## Agentic access (1)

- **Tamara Agentic Access** — 23 operations · 17 acting

## Security (2)

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

## Plans (1)

- **Tamara Plans Pricing**

## 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

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