vocabulary: Tamara Vocabulary
version: '0.1'
provider: Tamara
providerId: tamara
created: '2026-05-24'
modified: '2026-05-24'
description: |
  Domain vocabulary covering Tamara's BNPL platform — its products, lifecycle states, regulatory framing,
  and operational concepts — for use in cross-API search, indexing, and Naftiko governance.
sources:
- https://docs.tamara.co/
- https://docs.tamara.co/reference/tamara-api-reference-documentation
- https://tamara.co/en
tags:
- BNPL
- Fintech
- Payments
- Shariah Compliant
- MENA
concepts:
- term: BNPL
  definition: Buy Now, Pay Later — split-payment consumer credit offered at point of sale.
  related: [Pay Later, Instalments]
- term: Pay Later
  definition: Tamara's flagship product allowing customers to split a purchase into 2, 3, or 4 instalments (up to 24 months under the SAMA consumer-finance license) with no late fees.
- term: Pay Now
  definition: A one-time, full-amount payment option offered alongside BNPL inside the Tamara checkout.
- term: Shariah Compliant
  definition: A financing product structured to comply with Islamic finance principles — no interest (riba), no late fees on consumer instalments.
- term: SAMA
  definition: Saudi Central Bank — Tamara's primary financial regulator (license No. 95/A Sh/202502).
- term: Checkout Session
  definition: A hosted-checkout artifact created via POST /checkout that returns a checkout_url Tamara hosts for the consumer to complete payment.
- term: Order
  definition: A merchant transaction processed via Tamara, tracked through the lifecycle new → approved → authorised → captured → settled / refunded.
- term: Authorise
  definition: The merchant-side acknowledgement that the consumer's order has been approved and the merchant is ready to fulfil it.
- term: Capture
  definition: A request to draw funds against an authorised order (full or partial). Auto-capture occurs at 21 days post-authorisation.
- term: Refund
  definition: A reversal of captured funds back to the consumer, full or partial. Tamara exposes a legacy and a simplified refund endpoint.
- term: Dispute
  definition: A consumer-initiated challenge against an order; tracked through open, awaiting_merchant_response, claim_accepted, claim_rejected, closed.
- term: Webhook
  definition: An HTTPS callback registered by the merchant that receives order and dispute lifecycle events authenticated via a tamaraToken JWT.
- term: Channel Partner
  definition: A PSP, e-commerce platform, or aggregator that onboards merchants onto Tamara on their behalf via the partner-api.tamara.co surface.
- term: Merchant Onboarding
  definition: The KYB/KYC submission flow channel partners use to enrol a new merchant, returning an onboarding_code and (on activation) API/public/notification keys.
- term: Settlement
  definition: The Tamara-to-merchant payout cycle covering captured-then-fulfilled orders; merchants reconcile settlements via the Partners Portal.
- term: Pre-Checkout Eligibility
  definition: An optional API call to determine whether Tamara should be displayed as a payment method for a given customer and basket amount.
- term: In-Store Checkout
  definition: Brick-and-mortar BNPL flows where the merchant generates an SMS payment link or QR code the consumer pays via the Tamara app.
- term: Partners Portal
  definition: The web dashboard at partners.tamara.co where merchants manage orders, disputes, settlements, users, and API credentials.
currencies:
- SAR
- AED
- BHD
- KWD
- OMR
countries:
- SA
- AE
- BH
- KW
- OM
locales:
- ar_SA
- en_US
orderStatuses:
- new
- approved
- on_hold
- declined
- authorised
- canceled
- updated
- fully_captured
- partially_captured
- fully_refunded
- partially_refunded
- expired
disputeStatuses:
- open
- awaiting_merchant_response
- cancelled
- claim_accepted
- claim_rejected
- closed
- under_review
paymentTypes:
- PAY_BY_INSTALMENTS
- PAY_NOW
webhookEvents:
  order:
  - order_approved
  - order_on_hold
  - order_declined
  - order_authorised
  - order_canceled
  - order_updated
  - order_captured
  - order_refunded
  - order_expired
  dispute:
  - OrderDisputeAwaitingMerchantResponse
  - OrderDisputeClosedMerchantAcceptedClaim
  - OrderDisputeClosedMerchantRejectedClaim
  - OrderDisputeClosed
  channelPartner:
  - qualified
  - disqualified
  - ready_to_transact
  - resubmission_required
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com