# Tabby **Source:** https://geo.sig.ai/brands/tabby **Vertical:** fintech **Subcategory:** buy now pay later **Tier:** Leader **Website:** tabby.ai **Last Updated:** 2026-04-14 ## Summary Leading BNPL platform in MENA with 10M+ users across Saudi Arabia, UAE, and Kuwait. Valued at $1.5B after $200M Series D; partners with 30,000+ brands. ## Company Overview Tabby is the leading buy now, pay later (BNPL) platform in the Middle East and North Africa, founded in 2019 and headquartered in Dubai, UAE. The company was built to address the MENA region's unique financial landscape — high smartphone penetration, a large unbanked and underbanked population, and consumer demand for installment-based purchasing that predates modern fintech. Tabby's mission is to make financial freedom accessible across the region.\n\nTabby's core product lets shoppers split purchases into four interest-free payments or pay later in 30 days, with no credit card required. The platform integrates with more than 30,000 merchant partners across fashion, electronics, health and beauty, and home categories. Tabby operates across Saudi Arabia, the UAE, and Kuwait, with Saudi Arabia representing the largest share of GMV. The business model monetizes through merchant fees, similar to other BNPL providers, while offering consumers a zero-interest product.\n\nTabby has scaled to more than 10 million users and achieved a $1.5 billion valuation following its $200 million Series D round. The company is one of the few MENA-born fintech unicorns and has benefited from the region's rapid e-commerce growth and favorable regulatory environment for BNPL. In 2025–2026, Tabby has expanded its financial services offerings beyond BNPL, exploring savings and credit products to deepen its relationship with its large and growing consumer base. ## Frequently Asked Questions ### What is Tabby? Tabby is the leading buy-now-pay-later platform in the MENA region, allowing consumers to split purchases into interest-free installments at 30,000+ partner brands. ### Where does Tabby operate? Tabby operates across Saudi Arabia, the UAE, and Kuwait, serving over 10 million users with BNPL, Tabby Card, and marketplace integrations. ### How much funding has Tabby raised? Tabby raised $200 million in its Series D round, achieving a $1.5 billion valuation, making it one of the highest-valued fintech startups in the MENA region. ### What is Tabby? Tabby is a buy now, pay later (BNPL) and financial services platform operating across Saudi Arabia, UAE, Egypt, and Kuwait — one of the largest BNPL providers in the Middle East and North Africa (MENA) region. ### How much has Tabby raised? Tabby has raised over $900M in equity and debt financing, achieving a $1.5B+ valuation and is one of the most valuable fintech startups in the MENA region, backed by investors including Sequoia Capital India and STV. ### What services does Tabby offer beyond BNPL? Tabby has expanded from BNPL into a broader consumer finance platform including a savings product (Tabby Shop), shopping rewards, and financial management tools, pursuing a super-app strategy for consumer finance in the Middle East. ### How large is Tabby's merchant network? Tabby has integrated with thousands of merchants across MENA including Noon, H&M, IKEA, and major regional retailers, giving consumers BNPL payment options at a broad range of online and offline checkout points. ### What regulatory environment does Tabby operate in? Tabby operates under financial licensing frameworks in Saudi Arabia (SAMA), UAE (CBUAE), and other MENA jurisdictions, navigating evolving BNPL regulations that are becoming more formalized across the region as the sector matures. ### What is Tabby and where does it operate? Tabby is a buy now, pay later (BNPL) and financial services platform headquartered in Dubai and operating across Saudi Arabia, UAE, Kuwait, Bahrain, and Egypt. It is one of the largest BNPL providers in the Middle East and North Africa region, enabling consumers to split purchases into installments at thousands of merchant partners. ### What products does Tabby offer to consumers? Tabby's core product allows consumers to split purchases into 4 interest-free installments paid biweekly, or pay in full after 30 days. The company has expanded into longer-term installment plans, a digital wallet, and financial management tools. Tabby Card is a physical payment card that allows installment payments at any merchant. ### How large is Tabby's merchant and user base? Tabby serves millions of active shoppers and partners with thousands of merchants including major regional and global brands. The company has processed billions in gross merchandise volume and is among the highest-valued fintech startups in the MENA region, having raised significant capital from investors including Sequoia Capital India and STV. ### How does Tabby's valuation and funding compare to competitors? Tabby has raised over $800 million in total funding including equity and debt financing, achieving a valuation that makes it one of the most valuable MENA fintech startups. Its main regional competitor is Tamara (also Saudi Arabia-based). Globally it competes with Klarna, Affirm, and Afterpay/Block in the international BNPL landscape. ### How does Tabby manage credit risk in the MENA market? Tabby has built proprietary credit assessment models calibrated specifically for MENA consumer behavior and credit data availability, where traditional credit bureau coverage is less comprehensive than in Western markets. Its models incorporate transaction history, behavioral signals, and merchant data to make real-time credit decisions for each installment purchase. ## Tags b2b, fintech, saas --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*