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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.

8 APIs 8 Capabilities 0 Features
BNPLBuy Now Pay LaterFintechPaymentsCheckoutShariah CompliantMENASaudi ArabiaUAEInstallmentsPay LaterMerchant ServicesOrdersRefundsCapturesWebhooksDisputesChannel PartnersE-commercePOS

Tamara publishes 8 APIs on the APIs.io network, including Checkout API, Orders API, Payments API, and 5 more. Tagged areas include BNPL, Buy Now Pay Later, Fintech, Payments, and Checkout.

The Tamara catalog on APIs.io includes 8 machine-runnable capabilities, 1 JSON-LD context, and 1 Spectral governance ruleset.

Tamara’s developer surface includes documentation, API reference, getting-started guide, status page, support, signup flow, pricing, and 34 more developer resources.

APIs

Tamara Checkout API

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. Suppo...

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 Payments API

Capture funds against an authorised order and process refunds. Includes the legacy /payments/refund endpoint and the modern /payments/simplified-refund/{order_id} surface introd...

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 Channel Partners API

Allow payment service providers, platforms, and aggregators to onboard merchants onto Tamara on their behalf. Submit merchant KYB/KYC information, retrieve onboarding status and...

Capabilities

Tamara Channel Partners API

Tamara Channel Partners API. 5 operations. Lead operation: Tamara Create Merchant Onboarding. Self-contained Naftiko capability for PSPs and platforms that onboard merchants ont...

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Tamara Checkout API — Checkout Sessions

Tamara Checkout API — Checkout Sessions. 1 operation. Lead operation: Tamara Create Checkout Session. Self-contained Naftiko capability covering one Tamara business surface.

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Tamara Disputes API

Tamara Disputes API. 2 operations. Lead operation: Tamara List Disputes. Self-contained Naftiko capability covering Tamara's merchant dispute surface.

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Tamara Pre-Checkout Eligibility API

Tamara Pre-Checkout Eligibility API. 1 operation. Self-contained Naftiko capability that lets a merchant decide whether to render Tamara as a payment option for a given customer...

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Tamara In-Store Checkout API

Tamara In-Store Checkout API. 3 operations. Lead operation: Tamara Create In-Store SMS Payment Link Session. Self-contained Naftiko capability covering Tamara's POS, SMS, and QR...

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Tamara Orders API — Orders

Tamara Orders API — Orders. 4 operations. Lead operation: Tamara Get Order Details. Self-contained Naftiko capability covering one Tamara business surface.

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Tamara Payments API — Captures and Refunds

Tamara Payments API — Captures and Refunds. 3 operations. Lead operation: Tamara Capture Order. Self-contained Naftiko capability covering one Tamara business surface.

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Tamara Webhooks API

Tamara Webhooks API. 4 operations. Lead operation: Tamara Register Webhook. Self-contained Naftiko capability covering Tamara's webhook registration and lifecycle surfaces.

Run with Naftiko

Semantic Vocabularies

Tamara Context

0 classes · 7 properties

JSON-LD

API Governance Rules

Tamara API Rules

6 rules · 6 warnings

SPECTRAL

Resources

🔗
Documentation
Documentation
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APIReference
APIReference
🚀
GettingStarted
GettingStarted
🟢
Status
Status
💬
Support
Support
📝
SignUp
SignUp
📜
TermsOfService
TermsOfService
📜
PrivacyPolicy
PrivacyPolicy
💰
Pricing
Pricing
📰
Blog
Blog
🔗
ContactForm
ContactForm
👥
Github
Github
🔗
LinkedIn
LinkedIn
🔗
Twitter
Twitter
🔗
Instagram
Instagram
🔗
Plans
Plans
🔗
RateLimits
RateLimits
🔗
FinOps
FinOps
🔗
JSONLD
JSONLD
🔗
Vocabulary
Vocabulary
📦
SDK
SDK
📦
SDK
SDK
📦
SDK
SDK
📦
SDK
SDK
📦
SDK
SDK
📦
SDK
SDK
🔗
Plugin
Plugin
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Plugin
Plugin
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Plugin
Plugin
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Plugin
Plugin
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Plugin
Plugin
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Plugin
Plugin
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Integration
Integration
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Integration
Integration
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Integration
Integration
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Integration
Integration
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Integration
Integration
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Integration
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Integration
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Integration
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Integration
Integration

Sources

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.
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: capabilities/checkout-sessions.yaml
    type: NaftikoCapability
  - 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: capabilities/orders.yaml
    type: NaftikoCapability
  - 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: capabilities/payments.yaml
    type: NaftikoCapability
  - 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
  - url: capabilities/in-store-checkout.yaml
    type: NaftikoCapability
- 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
  - url: capabilities/webhooks.yaml
    type: NaftikoCapability
- 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
  - url: capabilities/disputes.yaml
    type: NaftikoCapability
- 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
  - url: capabilities/eligibility.yaml
    type: NaftikoCapability
- 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
  - url: capabilities/channel-partners.yaml
    type: NaftikoCapability
common:
- 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: [email protected]
  url: https://apievangelist.com