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Tabby is the leading Buy Now, Pay Later (BNPL) platform in the UAE and KSA. Enabling Tabby at checkout enables UAE customers to split their purchase into 4 interest-free payments or up to 12 months, for cart values over AED 2,000 with no late fees or interest, using a payment method they already know and trust. Razorpay manages the end-to-end integration with Tabby. No separate contract with Tabby is required.
Handy Tips
  • Pay Later (Short Term Credit) is provided by Tabby LLC. Terms and conditions apply. Visit tabby.ai for more information.
  • Tabby is currently available for UAE customers. Saudi Arabia support is coming soon.
  • Razorpay’s pay in native currency feature ensures your UAE customer sees the amount in AED at checkout.

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Advantages

Merchants who enable Tabby report measurable uplift across key checkout metrics:
  • Higher Conversion Rate: Customers who see BNPL at checkout are more likely to complete the purchase.
  • Reduced Card Abandonment: When your customer sees Tabby at checkout, they likely already have an account and can complete payment in under 60 seconds.
  • Flexible Order Value Range: Tabby can be used by your customers for a wide range of order values for a single order, depending on merchant category. For additional limits, please contact your Account Manager or Razorpay Support.

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Prerequisites

Before enabling Tabby, ensure the following:
  • Active Razorpay account with International Payments enabled.
  • KYB (Know Your Business) verification completed on the Razorpay Dashboard.
  • You are a PFB (Platform Fee Bearer) merchant. This means Razorpay’s platform fees are borne by you (the merchant), not passed to the customer.
Handy TipsMerchants onboarded to Razorpay after January 2026 do not need to complete a separate KYB verification as your existing onboarding covers it. You just have to activate it on your Razorpay Dashboard.

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Restricted Categories

Tabby is not available for the following merchant categories. If your MCC falls in a restricted category, Tabby will not appear for activation on your Dashboard.

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How to Enable Tabby

Tabby is activated via self-serve on the Razorpay Dashboard.
  1. Log in to the Razorpay Dashboard.
  2. Navigate to Settings → Payment Methods → International.
  3. Locate the Tabby row and click Enable.
  4. Complete KYB verification if prompted.
  5. Once approved, Tabby appears automatically in your checkout for eligible UAE customers.
Handy TipsApproval typically takes up to one week. Track your activation status on the same Dashboard page.

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Customer Eligibility

Tabby appears at checkout only when the customer meets all of the following conditions:
  • Customers must have a UAE mobile number (+971) and pass Tabby’s eligibility check.
  • Wide range of order values range based on merchant category. Customers will pay in AED only.
  • Real-time eligibility check by Tabby, instant and invisible to the customer.

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How It Works

Tabby works like any other payment method on Razorpay Checkout:
  1. Create Order with the required details.
  2. Customer provides details such as name, email, phone and shipping address.
  3. Customer completes payment on Tabby. Customer is redirected to Tabby’s secure page for OTP verification and approval (if details were not passed during the order creation).
  4. Razorpay auto-captures the payment. You receive a payment.captured webhook. No manual action required.
  5. Customer is redirected to your success or failure page. Order is confirmed.

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Create an Order for Tabby

When creating a Razorpay order that may be paid via Tabby, pass buyer information, shipping address, and line item data in your order API call. Tabby uses this data for real-time credit scoring. The more complete the data, the higher the approval rate. Parameters without the optional tag are mandatory. Optional parameters are recommended for higher approval rates.
amount : integer Order amount in paise (INR). Razorpay converts to AED at checkout.currency : string The currency of the order. Razorpay automatically displays and collects the payment in AED on the checkout, converting at the time of the transaction.
Passed via notes or customer_details in the Order API. If missing, Razorpay collects these from the customer inline at checkout.phone : string Customer phone with country code. For example, +971501234567.name optional : string Customer full name. Recommended for higher approval rates.email optional : string Customer email address. Recommended for higher approval rates. This information will be collected during checkout, if not passed here.
Passed via customer_details. For platform merchants (Shopify, Magento), plugin data is used as a fallback.shipping_address.city optional : string Shipping city name. For example, Dubai. This information will be collected during checkout, if not passed here.shipping_address.address optional : string Street address, building name, apartment number.shipping_address.zip optional : string Postal or ZIP code.billing_address optional : object Billing address (city, address, zip). This information will be collected during checkout, if not passed here.
Handy TipsFor orders with no physical shipping, pass a shipping address and set is_virtual = true on each line item. This signals to Tabby that the shipping address is a billing address.
Passed via line_items in the Order API.
Watch Out!Do not use the products section of the Orders API.
line_items[].name optional : string Product name or title.line_items[].title optional : string Display title (can be the same as name).line_items[].unit_price optional : string Unit price of the item.line_items[].quantity optional : integer Quantity ordered. Must be ≥ 1.line_items[].category optional : string Product category. For example, Fashion or Electronics. Used for risk scoring.line_items[].product_id optional : string SKU or product reference id.

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Webhooks

All Tabby payments are auto-captured. No manual capture step is required from your end. You receive standard Razorpay webhooks for each transaction. Configure webhooks under Dashboard → Settings → Webhooks. The method field in webhook payloads will show tabby.

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Settlement

Tabby payments are settled to your registered bank account on a T+11 to T+13 cycle from the date of customer payment, in INR. You receive the full captured amount (minus applicable MDR) regardless of whether the customer completes all future payments. Tabby absorbs the instalment risk entirely.

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Refunds

Both full and partial refunds are supported. Refunds are processed in INR. Refer to the table below to understand the refund rules. To process a refund:
  1. Go to Dashboard → Transactions
  2. Select the Tabby transaction
  3. Click Process Refund via Tabby.
Watch Out!If the refund amount exceeds your current running Tabby balance, the refund option will be greyed out. You will need to wait until transaction volume accumulates sufficiently before the refund can be processed.

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Testing

  1. Switch to Test Mode in the Razorpay Dashboard.
  2. Create a test order within the permitted amount range.
  3. On the Checkout page, select Tabby and complete the test flow.
  4. Verify the payment status via Dashboard and webhook.
Handy TipsTest mode simulates both approved and rejected scenarios. Use the test phone numbers provided in the Dashboard to trigger specific outcomes.

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Frequently Asked Questions (FAQs)

Tabby appears only for eligible UAE customers (detected at Razorpay checkout) and within the supported order value range. Verify your Tabby activation status under Settings → Payment Methods → International on the Dashboard.
Tabby runs a real-time scoring check using the customer’s phone, email and device signals. This is invisible to the customer and takes under 2 seconds. If rejected, a generic message is shown and alternate payment methods are offered automatically. Passing more order details when creating the order significantly improves approval rates.
Settlement follows a T+11 to T+13 cycle from the date of customer payment, in INR to your registered bank account. See Settlement for details.
Refunds require that your running Tabby transaction volume exceeds the refund amount. If your current Tabby balance is insufficient, the refund option will not be available. Additionally, refunds must be initiated within 180 days of the payment creation date. See Refunds for details.
Tabby’s underwriting is independent and specific rejection reasons are not shared with merchants. Razorpay shows a generic error and automatically offers alternate payment methods to the customer.
Tabby absorbs 100% of the instalment risk. You receive the full captured amount (minus applicable MDR) regardless of whether the customer completes subsequent payments.