Leverage the Tamara - PayTabs partnership to offer a seamless Buy Now, Pay Later experience to your customers. This integration enables quick onboarding for existing PayTabs merchants and provides flexible implementation options for new businesses.

Overview

PayTabs is a payment service provider offering secure and scalable digital payment solutions across the Middle East and other supported regions. Its platform supports multiple payment methods and checkout experiences, enabling merchants to accept online payments across web and mobile channels.

Through this partnership, merchants can enable Tamara as a payment option within the PayTabs payment flow, allowing customers to complete purchases using Tamara’s installment-based payment experience.

Supported Regions and Currencies

Tamara payments via PayTabs are currently supported in the following regions and currencies:

• United Arab Emirates (UAE) - AED
• Kingdom of Saudi Arabia (KSA) - SAR

Pre-requisites

Before starting the integration, ensure the following requirements are met:

• You must be an existing PayTabs merchant with an active integration.
• To begin testing, contact your PayTabs Account Manager or Integration team to request activation of Tamara payments in the Sandbox environment. Please find the complete guidelines to implement Tamara via PayTabs here.
• A Tamara Sandbox test account will be shared to support integration and testing.
• Once Sandbox testing and validation are completed, the PayTabs team will assist in enabling Tamara in the Production environment.

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Merchants may be required to implement Tamara widgets or messaging, based on the checkout experience supported by PayTabs.

Sandbox Testing Flow

The typical Sandbox payment flow for Tamara via PayTabs includes the following steps:

• Create a Tamara transaction through the PayTabs payment flow.
• Redirect the customer to Tamara’s hosted checkout experience, if applicable.
• Sign in using the provided test credentials for Sandbox testing.
• Confirm the one-time password (OTP) as prompted in the Sandbox environment.
• Complete the payment using test payment details shared for testing.
• Upon completion, the customer is redirected to the predefined success or failure URL configured by the merchant.

Next Steps

After completing Sandbox testing:

• Validate successful payment, failure, and cancellation scenarios
• Test redirects and order status updates
• Confirm that payment captures do not remain in a deferred capture state unless intentionally configured
• Confirm widget placement and messaging accuracy
• Coordinate with your PayTabs Account Manager or Integrations Engineer to enable Production access
• Regularly monitor webhook delivery to confirm that Tamara-related payment events are being received and processed successfully

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Failure to configure or monitor webhooks may result in incorrect order statuses, delayed fulfillment, or reconciliation issues.

Refunds & Cancellations Handling

Refunds and cancellations for Tamara transactions must be managed through PayTabs.

• Refunds should be initiated using the PayTabs APIs or Merchant Portal, based on the merchant’s setup.
• Merchants must not attempt to process refunds or cancellations directly via Tamara.
• PayTabs will coordinate the refund status and reconciliation with Tamara as part of the payment flow.

Support & Escalation Matrix

For any integration, testing, or production-related support:

• Merchants should first contact their PayTabs Account Manager or Integration team.
• The PayTabs team will act as the primary point of contact and will engage Tamara Support if required.
• Direct escalation to Tamara by merchants is not required unless explicitly advised by PayTabs.

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This model ensures faster resolution and clear ownership across all parties.