Build an App Like Tamara in Saudi Arabia
Launch a split-payment or BNPL platform in the Kingdom. Shyphan builds apps like Tamara - customer app, merchant checkout, instalment engine and admin - localised in Arabic and English with Mada and STC Pay, on a fixed quote. (Payment licensing is arranged by you with SAMA.)
What we build
A full Tamara-style BNPL platform.
Get your free App Like Tamara quote
Tell us about your idea and a senior consultant - not a bot - replies within 24 hours with scope, timeline and a fixed quote. The first 30-minute discovery call is free, with no obligation.
- Free 30-minute discovery call
- Fixed-quote proposal - no surprises
- iOS, Android and web from one team
- On-site in Riyadh, remote across the Kingdom
Your own split-payment platform, built for KSA
Tamara made paying in instalments a mainstream checkout option across Saudi Arabia, growing fast by helping shoppers split purchases and merchants sell more. Entering this space needs licensing and capital - and a solid technology platform, which is what Shyphan builds.
We build Tamara-style BNPL platforms end to end: a customer app to shop, split payments in instalments or pay later, and manage repayments; merchant integration via checkout SDK, ecommerce plugins and APIs with automatic settlement; an instalment and risk engine with configurable plans, scoring and limits; repayment collection through Mada, STC Pay and cards; and an admin dashboard for merchants, users, risk, settlements and reporting.
It is localised for the Kingdom - Arabic-first RTL apps, Saudi payment rails and compliance-ready structure - on a fixed, transparent quote. Regulatory licensing (for example with SAMA) is arranged by you; we build the technology to your requirements.
Core features we replicate
Everything a Tamara-style platform needs.
Customer App
Shop, split or defer payments and manage repayment schedules.
Merchant Integration
Checkout SDK, plugins and APIs with automatic settlement.
Instalment Engine
Configurable pay-in-3, pay-later plans, fees and schedules.
Risk & KYC
Configurable scoring, KYC hooks and limit management.
Repayments & Settlement
Collect via Mada, STC Pay and cards; settle merchants.
Admin Dashboard
Manage merchants, users, risk, settlements and reporting.
Built for fintech & commerce players
Fintech startups
Launch a branded split-payment or BNPL product.
Retail groups
Offer in-house instalments across your channels.
Financial institutions
Add a modern BNPL product to your offering.
Niche lenders
Serve a specific sector or segment.
Built for Saudi Arabia
Local by default
- Arabic-first, right-to-left customer app
- Mada, STC Pay and card repayments
- Compliance-ready structure; you hold the licence
- Riyadh-based delivery and support
Close and dependable
- A senior team in Riyadh, on-site and remote across the Kingdom
- Mada, STC Pay and Apple Pay built in from day one
- Fixed scope and milestone pricing - no open-ended billing
- App Store and Google Play launch, plus SLA-backed support
The tech we build on
Modern, proven tools chosen for performance, maintainability and speed to market.
From idea to launch in 5 steps
Discovery
Workshops to define scope, users and a fixed-quote plan.
Design
UX wireframes and a clean, Arabic-and-English, RTL-ready UI.
Build
Agile sprints with regular demos so you see progress.
Test & pilot
QA, security checks and a real pilot before launch.
Launch & support
Store launch, monitoring and SLA-backed AMC support.
Why teams pick Shyphan
Senior engineers
Experienced product teams own delivery, not juniors learning on your budget.
Fixed quotes
Clear scope and milestone pricing agreed before any work starts.
You own the code
Full source-code and IP ownership for everything we build.
Support that stays
SLA-backed support from our Riyadh and India desks after launch.
App Like Tamara - your questions
Can you build a BNPL app like Tamara?
Do we need a licence?
Is it legal to build an app like Tamara?
What payment plans can we offer?
How long does it take to build?
How much does an app like this cost?
Do we own the app and code?
Explore related services
Trusted by businesses across Saudi Arabia & the GCC
Get your free App Like Tamara quote
Tell us about your idea and a senior consultant - not a bot - replies within 24 hours with scope, timeline and a fixed quote. The first 30-minute discovery call is free, with no obligation.
- Free 30-minute discovery call
- Fixed-quote proposal - no surprises
- iOS, Android and web from one team
- On-site in Riyadh, remote across the Kingdom