Tabby vs Billtrust
Side-by-side comparison of AI visibility scores, market position, and capabilities
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.
About
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.
Billtrust (acquired by FLEETCOR/Corpay) delivers end-to-end AR automation from invoice delivery through cash application and collections for mid-market and enterprise clients.
About
Billtrust is an accounts receivable automation and B2B payments company that provides a comprehensive order-to-cash platform for mid-market and enterprise businesses. Founded in 2001 and headquartered in Lawrenceville, New Jersey, Billtrust was acquired by FLEETCOR Technologies (now Corpay) to become part of one of the world's largest B2B payments businesses. Billtrust's platform covers the complete AR lifecycle from invoice delivery and customer payment portals through cash application, collections management, and credit decisioning, helping businesses accelerate cash flow and reduce the manual labor involved in managing large customer receivables portfolios.\n\nBilltrust's Business Payments Network (BPN) is a key differentiator, connecting AR teams with a network of buyer payment platforms and enabling electronic remittance matching that dramatically reduces the manual cash application work that burdens AR teams when customers pay by check or without detailed remittance information. The platform's AI-powered cash application engine automatically matches incoming payments to open invoices, handling complex scenarios like partial payments, short pays, and deductions, with automation rates that significantly reduce manual application work. Electronic invoice delivery, self-service customer portals, and automated collections workflows complete the AR automation suite.\n\nBilltrust competes with HighRadius, YayPay, Cforia, and the AR modules of large ERP systems, and has built particular strength in industries with high transaction volumes and complex payment scenarios including manufacturing, distribution, food and beverage, and wholesale. Its combination of AR automation software, B2B payment network capabilities, and now the scale of Corpay's payments infrastructure makes the combined entity a formidable competitor in the AR automation and B2B payments market.
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