Tabby and Tamara: how BNPL lifts average order value

Buy-now-pay-later has moved from novelty to expectation. Tabby and Tamara let shoppers split a purchase into instalments, and for merchants that means a customer who hesitated at a higher price point now has a comfortable way to say yes.

The clearest impact is on average order value. When a 600-riyal jacket becomes "four easy payments," shoppers trade up to the better product or add the matching item. Stores that surface BNPL on the product page — not just at checkout — tend to see the biggest lift.

Crucially, the merchant is paid in full up front. The BNPL provider takes on the collection risk, so you get your cash without chasing instalments. That makes it a rare win-win: lower friction for the buyer, no credit exposure for the seller.

To get the most from it, show the instalment breakdown right next to your price, keep your product imagery and descriptions strong so the higher-ticket items feel worth it, and make sure your returns policy is clear. Confidence is what turns a "maybe" into a sale.

With Takamul, Tabby and Tamara sit alongside mada, Apple Pay and STC Pay in the same checkout, so customers pick whatever suits them in a single, fast flow.