Tabby

Tabby is a fintech company founded in 2019 and headquartered in Riyadh, Saudi Arabia. It operates a Buy Now Pay Later (BNPL) service that allows shoppers to split purchases into four interest-free payments or up to 12 monthly installments, both online and in-store, with no interest charges or hidden fees. The company describes its mission as giving consumers more control over their spending and reshaping their relationship with money.

By scale, Tabby is the Middle East's largest Buy Now Pay Later solution. It reports more than 20 million users across the region, partnerships with over 40,000 global brands and small businesses, and annual transaction volume exceeding $10 billion. Its operations span Saudi Arabia, the United Arab Emirates and Kuwait.

The company's work sits at the intersection of several technical domains: fintech, payments technology, BNPL, consumer finance, e-commerce payments and in-store payment technology. Its product serves two sides of the market - consumers, who gain flexibility in how they pay, and merchants, who are offered tools to support growth, higher average order values and customer loyalty. Verticals covered include retail, e-commerce, financial services, consumer payments and small-business commerce.

Tabby was most recently valued at $4.5 billion following a secondary share sale. The company's stated focus is on expanding access to flexible payment options while helping shoppers stay in control of their finances.