Buy Now Pay Later in the UAE: The Top Providers for 2026

Buy Now Pay Later has moved from a checkout novelty to standard infrastructure in the UAE. For a business, though, the useful question is not which app shoppers like. It is which provider matches what you sell and who you sell it to, because the consumer platforms that dominate the search results cannot fund a business customer buying on credit terms.

This guide covers the providers that matter in the UAE in 2026, split by the thing that actually determines your choice: whether your buyer is a consumer or another business.

First, the split that decides everything

Consumer BNPL funds an individual buying a AED 600 pair of shoes and splits it into three or four payments. The provider takes a fee from the merchant and carries the repayment risk on the shopper.

B2B BNPL funds a company buying AED 200,000 of stock on 60 day terms. The amounts are larger, the credit assessment is on a business rather than a person, and the underlying problem is different: your buyer wants credit terms and you cannot afford to wait.

Offering consumer BNPL will not help a wholesaler whose customers are retailers. Offering trade credit out of your own pocket will not help a fashion store. Work out which side you are on before comparing providers. We cover the distinction in more detail in consumer versus B2B Buy Now Pay Later in the UAE.

Providers for businesses selling to other businesses

1. Comfi

Key highlights. Comfi offers B2B Buy Now Pay Later built for UAE suppliers, distributors, and service businesses. Comfi unlocks the cash stuck in your receivable invoices. Your business customer takes 30, 60, or 90 days to pay, across two or three installments, while you are paid upfront, and Comfi then collects from the buyer, which removes both the cash flow gap and the collections work. There is no restriction on the buyer, provided they are a UAE registered business.

Pricing and availability. Comfi publishes its eligibility criteria in full: UAE registered, B2B, more than six months in operation, and average monthly revenue above AED 300,000. There are no processing fees or service charges, and pricing is shared upfront. More than 1,000 UAE SMEs use Comfi across trading, food and beverage, automotive, construction, and professional services. See how B2B Buy Now Pay Later works, or check your eligibility.

2. Invoice financing as the alternative route

Key highlights. If you already give your customers credit terms and the problem is purely that you are waiting to be paid, invoice discounting solves the same cash flow gap from the other direction. You keep your existing terms with the customer and unlock the cash sitting in the invoice instead. Several UAE providers offer this, and we compare them in our guide to the top 10 invoice discounting providers in the UAE.

When it fits better than BNPL. Choose invoice financing when the credit relationship with your buyer is already established and you do not want a third party involved with them. Choose B2B BNPL when you want to offer terms you cannot currently fund, or when you want the collections handled for you.

Providers for businesses selling to consumers

3. Tabby

Key highlights. Tabby is the largest BNPL platform in the region and the default option for most UAE merchants. Shoppers split a purchase into four interest free payments or spread it over up to 12 monthly payments, with instant approval against a linked debit or credit card. Tabby states that it is accepted at more than 65,000 stores and that over 40,000 brands and small businesses use its technology, including SHEIN, Amazon, Adidas, IKEA, H&M, Samsung, and Noon.

Pricing and availability. Tabby is explicit about its commercial model: sellers pay a fee each time Tabby is used at checkout, and shoppers pay no interest. The per merchant rate is negotiated rather than published, so treat any figure quoted elsewhere as unverified. Tabby is active in the UAE, Saudi Arabia, and Kuwait, and raised a USD 160 million Series E in February 2025 at a USD 3.3 billion valuation, making it the most valuable fintech in the region at that time.

4. Tamara

Key highlights. Tamara is the main regional competitor to Tabby, originally Saudi and now established in the UAE. Shoppers split purchases into up to four payments online or in store, and the merchant side is sold as a conversion tool rather than a payments utility.

Pricing and availability. Tamara does not publish merchant fees. On scale, the company reports more than 20 million customers and over 87,000 merchants, and in September 2025 it announced a Shari'ah compliant asset backed facility of up to USD 2.4 billion backed by Goldman Sachs, Citi, and Apollo funds, refinancing and upsizing an earlier USD 500 million facility. For a merchant, the relevance of that funding is simple: it signals the provider can keep underwriting through a downturn.

5. Postpay

Key highlights. Postpay is a UAE based provider offering a straightforward pay in three model with no interest and no consumer fees. It is smaller than Tabby and Tamara but well established with UAE retailers, and the simpler product can suit merchants with lower average order values who do not need 12 month plans.

Pricing and availability. Merchant pricing is not published and is agreed per merchant. Postpay operates online and through its shopping app.

6. Cashew

Key highlights. Cashew is a Dubai based BNPL provider offering pay in three and interest free installment plans, with the outstanding amounts debited from the customer's existing credit or debit card on a monthly schedule. It has built a niche in higher value categories such as healthcare, education, and travel, where a three month plan is more useful than a four payment split.

Pricing and availability. Cashew does not publish merchant pricing. Public company trackers disagree on its founding year, so we have not stated one.

7. Spotii

Key highlights. Spotii is a BNPL platform operating in the UAE as part of Zip, the Australian listed BNPL group. Shoppers pay in installments with no interest, online and in store, and the platform emphasizes brand discovery through its app and shop directory.

Pricing and availability. Merchant fees are not published. Spotii is the smallest of the consumer providers listed here by headcount, so weigh integration support alongside the fee when comparing.

The regulation you should know about

Short term credit in the UAE is not unregulated. The Central Bank of the UAE's Finance Companies Regulation, in force since 29 September 2023, sets out the framework for Finance Companies and Restricted Licence Finance Companies, the latter being permitted to offer only short term credit facilities. It also sets rules for agents, which must partner with a licensed finance company or a bank before offering short term credit.

The practical takeaway for a merchant is to confirm that any BNPL partner is licensed or properly partnered before integrating, because the regulatory obligation does not disappear simply because a third party runs the checkout.

Choosing, in one paragraph

If you sell to consumers, the decision is mostly commercial. Compare the merchant fee, the settlement timing, and the integration effort, and start with Tabby or Tamara on reach. If you sell to businesses, consumer BNPL is not an option at all, and the real choice is between offering your buyers credit terms through B2B BNPL or unlocking the cash in the invoices you have already issued. Both unlock the cash within hours rather than at the end of the payment term, and neither adds debt to your balance sheet, so growth stops being capped by how long your customers take to pay.

Related Reading

• What is BNPL and how does it work
• B2B Buy Now Pay Later in the UAE
• BNPL for wholesale distributors in the UAE
• Best payment gateways in the UAE

Want to offer your business customers 30, 60, or 90 day terms without carrying the cash flow yourself? Check whether your business qualifies with Comfi.

Sources

1. Tabby, "Buy now, pay later: How it works", tabby.ai (accessed September 2026). Supports the four payment and 12 month plans, the 65,000 store figure, and the merchant fee model. Link
2. Tabby, "Tabby raises $160M Series E funding at $3.3B valuation", Tabby Newsroom, 12 February 2025. Supports the funding round, valuation, investors, market coverage, and the 40,000 brands figure. Link
3. Reuters, "Gulf fintech Tabby doubles valuation to $3.3 billion ahead of IPO", 12 February 2025. Independent confirmation of the Series E valuation. Link
4. Tamara, "Buy Now Pay Later in UAE", tamara.co (accessed September 2026). Supports the up to four payment structure and UAE availability. Link
5. Tamara, "Tamara Secures New Asset-Backed Facility of Up to $2.4 Billion", 15 September 2025. Supports the facility size, the backing institutions, the refinancing of the earlier USD 500 million facility, and the customer and merchant counts. Link
6. Postpay, product information via UAE merchant checkout pages, postpay.io (accessed September 2026). Supports the pay in three, interest free, no fee structure.
7. Cashew Payments, company and product profile, cashewpayments.com and CB Insights (accessed September 2026). Supports the pay in three model and the card debit mechanism. Link
8. Spotii, "What is Spotii? About Us", spotii.com (accessed September 2026). Supports Spotii's status as a Zip company and its interest free installment model. Link
9. Central Bank of the UAE, "Finance Companies Regulation" (C 3/2023, in force 29 September 2023), CBUAE Rulebook. Supports the licensing framework, Restricted Licence Finance Companies, and the agent requirements. Link‍
10. Comfi, "B2B Buy Now Pay Later UAE" product page, comfi.ai (accessed September 2026). Supports Comfi's payment terms, buyer requirements, eligibility criteria, and fee structure.