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Tamara

Tamara is the Saudi Arabia–headquartered MENA shopping and Buy-Now-Pay-Later platform offering Shariah-compliant split-payment and Pay-Now solutions across Saudi Arabia, the United Arab Emirates, Kuwait, Bahrain, and Oman. Founded in 2020 and licensed by SAMA (Saudi Central Bank), Tamara provides merchants with a hosted-checkout Direct API, in-store SMS and QR payment links, mobile SDKs for iOS, Android, Flutter, and React Native, plug-and-play e-commerce extensions for Shopify, Magento, OpenCart, PrestaShop, Salesforce Commerce Cloud and WooCommerce, webhooks for order and dispute lifecycle events, and a Channel Partners onboarding API for payment service providers and platforms that white-label Tamara. The company became the first homegrown Saudi fintech unicorn in December 2023 after raising a US$340M Series C led by SNB Capital and Sanabil Investments and is backed by debt facilities from Goldman Sachs, Citi, and Apollo for its Shariah-compliant funding base.

agent aware

Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.

Kin Score

API Evangelist profiles Tamara the way a machine reads it — 59 machine-readable artifacts across 3 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Tamara scores 47.0/100 (developing), with a separate agent-readiness read of 22/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Tamara Kin Score — API readiness rating by API Evangelist

Put this on your own site. The badge is drawn live from Tamara's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.

<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/tamara/"
   title="Tamara on API Evangelist — API profile and Kin Score">
  <img src="https://apis.io/badge/tamara.svg"
       alt="Tamara Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>

More shapes, themes and sizes → · Score as JSON · How badges work

How we profile Tamara

Each block below is one kind of artifact we hold for Tamara. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 6

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Tamara Captures API

The Captures API from Tamara — 1 operation(s) for captures.

Tamara Channel Partner Webhooks API

The Channel Partner Webhooks API from Tamara — 2 operation(s) for channel partner webhooks.

Tamara Checkout Sessions API

Create and manage hosted-checkout sessions.

Tamara Merchant API Keys API

The Merchant API Keys API from Tamara — 1 operation(s) for merchant api keys.

Tamara Merchant Onboarding API

The Merchant Onboarding API from Tamara — 2 operation(s) for merchant onboarding.

Tamara Refunds API

The Refunds API from Tamara — 2 operation(s) for refunds.

Postman Collections 8

A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll within the panel for all 8 ·

Open Collections 15

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Scroll within the panel for all 15 ·

Arazzo Workflows 9

Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.

Multi-step API workflows described with the Arazzo specification.

Tamara Authorise and Capture Order

Inspect an order, authorise it when approved, then capture funds on fulfilment.

ARAZZO

Tamara Authorise, Capture and Refund Order

Run the full post-checkout money lifecycle — authorise, capture, then refund.

ARAZZO

Tamara Capture and Legacy Refund

Capture an authorised order, then refund against the returned capture id.

ARAZZO

Tamara Capture and Refund Order

Capture funds against an authorised order, then issue a simplified refund.

ARAZZO

Tamara Create and Authorise Order

Create a checkout session, poll the resulting order, and authorise it once approved.

ARAZZO

Tamara Eligibility-Gated Checkout

Check pre-checkout eligibility, then create a checkout session only when eligible.

ARAZZO

Tamara Full BNPL Lifecycle

Create a checkout session, confirm approval, authorise, and capture in one flow.

ARAZZO

Tamara Order Status Cancel

Read an order's status and cancel it only when it is still cancellable.

ARAZZO

Tamara Order Status Refund

Read an order's status and refund it only when funds have been captured.

ARAZZO

Scroll within the panel for all 9 ·

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.

Published pricing tiers and plan structures.

Tamara Plans Pricing

2 plans

PLANS

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Tamara Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Tamara Context

0 classes · 7 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Tamara API Rules

5 rules · 4 warnings

SPECTRAL

Tamara API Rules

6 rules · 6 warnings

SPECTRAL

JSON Schema 5

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

TamaraCapture

6 properties

JSON SCHEMA

TamaraCheckoutSession

4 properties

JSON SCHEMA

TamaraDispute

9 properties

JSON SCHEMA

TamaraOrder

14 properties

JSON SCHEMA

TamaraRefund

8 properties

JSON SCHEMA

JSON Structure 1

JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.

JSON Structure definitions describing this provider's data shapes.

Tamara Order Structure

8 properties

JSON STRUCTURE

Examples 6

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tamara Authentication

http · 1 scheme

SECURITY

Tamara Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Tamara Agentic Access

23 operations · 17 acting

23 operations · 17 acting

AGENTIC

Resources

Every other property we hold for Tamara — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 2

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Access & Security 2

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

← All providers · Data indexed from github.com/api-evangelist/tamara · machine-readable index on apis.io

Where this information came from

This is an independent, third-party profile of Tamara, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.

Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.

info@apievangelist.com · Read the full data-sourcing policy →
On a security or compliance team? Put security in the subject line and you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.