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: kin@apievangelist.com url: https://apievangelist.com