How to Add Tamara to Your Shopify Store (KSA, UAE, Kuwait, Bahrain)

Want Saudi and Gulf shoppers to split your price into four? On Shopify, Tamara is one of the quickest ways to do it.

The app is free, and setup takes an afternoon once your merchant account is approved.

More than 87,000 stores already offer Tamara to its roughly 20 million customers, and many of those shoppers look for it at checkout.

Below, you'll get the full setup, what it really costs on each Shopify plan, when you get paid and how refunds work, with country notes at the end.

What does Tamara do for a Shopify store?

Tamara is a buy now, pay later (BNPL) provider: the shopper pays part of the price today and the rest in instalments, with no interest.

You get the full order value, minus Tamara's fee, while Tamara takes the credit risk and collects from the shopper.

Here's why that matters on Shopify:

• Bigger baskets. A SAR 800 jacket feels like SAR 200 when the widget splits it into four.
• Fewer cash orders. Shoppers who'd pick cash on delivery (COD) can pay online instead, so fewer parcels come back unpaid.
• No late-payment risk. Tamara pays you even if the shopper misses an instalment.

Still deciding between the two big BNPL apps? Our Tabby vs Tamara comparison sets them side by side.

Can your store use Tamara?

Yes, if you sell in one of Tamara's four countries, check out in local currency and get your business approved by Tamara.

To apply, have these ready:

• A trade licence or Saudi CR, the commercial registration that serves as your Saudi business licence.
• A business bank account in the currency you'll be paid in.
• A live Shopify store with a clear returns policy and local-currency prices.

How to add Tamara to Shopify, step by step

You'll work in two places, Tamara's partner portal and your Shopify admin, and the Shopify side takes about an hour.

1

Open a Tamara merchant account

Sign up as a partner on Tamara's site or through its commercial team. Agree your fee, payout terms and refund handling before you sign.

2

Install Tamara Split Payments

Find it in the Shopify App Store, click Add app, then Install app.

3

Leave test mode unchecked, then activate

On the activation screen, don't tick “Enable test mode”. Tamara doesn't support it on Shopify. Click Activate.

4

Create two webhooks

In Settings > Notifications > Webhooks, create one for Order creation and one for Transaction creation. Use the Tamara URL and API version from its docs, then copy the webhook key Shopify shows.

5

Add your keys

Go to Settings > Payments, open Tamara Split Payments, then More actions > Manage. Paste your Tamara public key and the Shopify webhook key, then save.

6

Set capture and checkout options

Under Settings > Payments, set the payment capture method to “Automatically at checkout”. Under Settings > Checkout, make sure customer information is collected.

7

Add the widget and run a live test

Show the instalment amount under your price, then place a small real order and refund it.

Once Tamara shows under Settings > Payments, it's live at checkout. Your full Shopify payment stack is covered in our Shopify in Saudi Arabia guide.

How to add the Tamara widget to product pages

The widget is the small line under your price that says "4 payments of SAR X", and it's what makes shoppers think "I can afford this" before they reach checkout.

Tamara's Shopify method uses a theme snippet:

1. In Online Store > Themes, open Edit code and add a snippet called tamara.liquid.
2. Paste Tamara's widget code, then set your country and your public key.
3. In the theme editor, open the product template and add a Custom Liquid block with the render tag for that snippet.
4. Drag the block directly under the price.

Write a little copy for your shoppers too, because "no late fees" is true for every Tamara plan and it answers the worry before anyone asks.

What does Tamara cost on Shopify?

You pay two fees on every Tamara order: one to Tamara and one to Shopify.

• Tamara's fee. Tamara doesn't publish a rate, but sellers and payment vendors report about 4–6% per order this year, set by contract. Small stores and riskier categories sit at the top of that range.
• Shopify's third-party fee. Shopify charges extra on orders paid through outside providers like Tamara, from 2% on Basic down to 0.2% on Plus.

The app itself is free, with no setup or monthly fee.

Your Shopify plan moves the total more than you'd expect. On Basic, Shopify takes SAR 10 of that SAR 35. On Plus, it takes SAR 1.

Worked example: a Saudi fashion store on Grow

Let's say a Riyadh abaya brand sells SAR 40,000 a month through Tamara, on Shopify Grow, at a negotiated 5% rate.

On Basic, the same month would cost SAR 2,800, because Shopify's cut doubles to SAR 800.

Grow costs about SAR 131 a month more than Basic on annual billing. So this store keeps roughly SAR 270 a month by upgrading.

Your mada and card gateway orders carry the same Shopify fee in Saudi Arabia. That's why Grow pays off once all your online sales pass about SAR 13,000 a month.

Is 6% worth it? For most fashion stores, yes.

Every one of those orders arrived paid in full, while refused COD parcels cost you shipping both ways. Our cash on delivery guide runs that sum.

Weekly payouts here come to about SAR 9,000, so Tamara's small-payout charge never kicks in.

To negotiate your rate down, see Tabby and Tamara merchant fees explained.

When does Tamara pay you?

Tamara pays every Tuesday, sending the order value minus its fee whether or not the shopper has paid yet.

Three payout rules shape your cash flow:

• Tuesday is payday. Every merchant gets a weekly payout by default.
• Saturday top-up. Once your balance reaches SAR/AED 2,500, you can take an extra payout on Saturday.
• Small-week charge. A weekly payout under 2,500 loses SAR/AED 25 to bank charges.

That charge hits new stores hardest. If Tamara pays you SAR 1,000 a week, it adds 2.5% on top of your fee, so raise it when you negotiate.

How refunds and testing work

Refunds run through Shopify as normal: you refund the order in your admin, and Tamara cuts or cancels the shopper's remaining instalments.

Two things to settle with Tamara before launch:

• Fee on refunds. Ask whether Tamara returns its fee on full and partial refunds, since that's set in your contract.
• Partial refunds. Check that a partial refund syncs, so the shopper's plan shrinks by the right amount.

Since there's no test mode, your first real order is your test, so use a cheap product and your own phone.

Adding Tabby as well? Its setup is different and needs more webhooks, so follow our Tabby on Shopify guide next.

Notes for Saudi stores

• Price in SAR. Saudi BNPL needs SAR checkout, which you set in Shopify Markets.
• No BNPL surcharge. SAMA bans adding a fee for shoppers who pay with Tamara, so keep prices the same for every payment method.
• Shoppers have a cap. A Saudi shopper can owe SAR 10,000 across all BNPL apps. Our SAMA BNPL rules guide explains the rest.

Notes for UAE stores

• Shopify's fee still applies. Even with Shopify Payments switched on, Tamara orders carry Shopify's third-party fee. Check your rate under Settings > Payments.
• No legal minimum basket. Tamara sets order limits per shopper and shows them at checkout.
• Do the Grow sum on UAE prices. UAE plans cost more than Saudi ones, so Grow pays for itself at about AED 16,500 a month in Tabby and Tamara sales combined.
• Tamara is fully licensed. It got its UAE Central Bank finance licence in October 2025.
• Payouts are in AED. The same Tuesday rules apply, with an AED 25 charge on small weeks.

Notes for Kuwait and Bahrain stores

• Bahrain is Tamara's edge. Tabby doesn't cover Bahrain, which makes Tamara the obvious first BNPL app there.
• Mind the decimals. Kuwaiti and Bahraini dinars use three decimals. Check your widget and checkout show the right amount, using our three-decimal currency guide.
• Run a live test per market. If you sell to several countries from one store, test an order in each currency.

Notes for cross-border sellers

• Tamara must approve your entity. A company outside the GCC with a USD checkout usually won't qualify for Saudi BNPL.
• Local entity or marketplace first. Most foreign brands go through a GCC company, a merchant of record, or noon and Amazon.sa, which have BNPL built in.
• Qatar and Oman need another route. Tamara won't show for shoppers there, so lean on cards and COD for those markets.

More guides on instalment payments live in our BNPL hub.