Tabby and Tamara let customers split a purchase into instalments while you are paid by the provider. In the Gulf they are well known and many shoppers look for them at checkout, especially for fashion, electronics, furniture and beauty.
Whether it helps you depends on your price points, your margin and your customers. Here is a way to decide without guessing.
BNPL is worth adding if your average order is high enough that customers hesitate to pay in one go. It is rarely worth it for very cheap items, and you should read the provider's fees before activating.
When it tends to help
BNPL works best where the basket is large enough that splitting it feels meaningful.
- Your average order is noticeably higher than a typical impulse buy.
- You see customers abandoning the cart at the payment step.
- Your audience is young and used to apps.
- Your margin can absorb the provider's merchant fee.
When it is not worth it
If you sell low-priced items, a merchant fee can eat a large share of your margin. If your customers are mostly businesses paying by invoice, BNPL adds little. And if your margin is thin, test on a few products first rather than store-wide.
How the economics work
The provider usually pays you the order, minus its fee, and takes on the collection from the customer. Exact fees and approval rules differ between Tabby and Tamara and change over time, so ask each for its current terms and compare them with your real margins.
Do not raise your prices only for instalment buyers unless the provider's rules allow it. Read the merchant agreement.
Adding it with Uttra
After the provider approves your store, describe it in chat: “Add Tabby and Tamara as payment options on the checkout page, and show a small ‘split into instalments’ note on product pages above a certain price.”
Test in the provider's sandbox, check how a declined customer is handled, then publish. Track conversion for a few weeks and remove the method if it does not pay for itself.