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How Can You Develop A Buy Now Pay Later App Like Tabby
30 Sep 2021

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How Can You Develop A Buy Now Pay Later App Like Tabby

When you reach the checkout page after an online buying binge, you've undoubtedly heard the phrases "buy now, pay later" (BNPL) or seen a BNPL option. In the past year, BNPL services, which are basically point-of-sale loans, have acquired a lot of popularity, with big names like Amazon collaborating with a prominent BNPL provider and Mastercard announcing the launch of its own BNPL service.

Now, the craze has shifted to the MENA region, and here in the UAE, the BNPL is trending all over. One popular “buy now pay later” service used in the UAE is Tabby. 

In this article, we will take a look at Tabby, its services and features, and how you can develop an app like Tabby.


What is Tabby?

What is Tabby?

Tabby allows customers to get their preferred goods delivered to their homes without having to pay the whole price right away. Customers can pay in installments and pay for their purchases in full according to a predetermined schedule. 

Many merchant sites and individuals have begun to use the app since it enables safer payment mechanisms without the hassles of transaction delays and fund processing. 

Tabby allows you to divide your purchases into four interest-free installments or pay after 14 days. These two forms of payment offer customers convenience and flexibility without any additional fees.

Tabby accepts any debit or credit card and you can get instant approval. Tabby has partnered with popular stores here in the UAE such as IKEA, H&M, Namshi, Shein, AliExpress, BabyShop, GAP, Home Centre, Lacoste, Nike, Sephora, Carrefour, and many other popular brands. 


You can shop with these brands online and choose Tabby at checkout, or shop in-store, and scan the tabby QR code when you’re at the store. Then you can choose any of the two payment methods; either pay in 14 days, or pay 25% upfront, and pay the rest monthly over the next three months. 

In case, a customer misses a payment, a late fee of 15 AED is charged a day after a payment is due. If they have not repaid for another two weeks, an additional late fee of 30 AED is applied.

Tabby doesn’t charge any fees or interest from the shoppers, as stated above. The way Tabby makes money is by charging retailers for using their service. This is the basic premise of Tabby.


How Does The Tabby App Work?

How Does The Tabby App Work?

Customers can enjoy shopping with Tabby by first installing the app. The complete process is described below:

Step 1: The consumer registers in the app to create an account and verify their identity by providing their Emirates ID.

Step 2:  After the approval procedure, the client can purchase an item and choose Tabby during the checkout process.

Step 3: The customer must then choose between the two options; pay in 14 days or pay in 4 installments. 

Step 4: After charging a commission from the merchant, Tabby pays the merchant the entire money right away.

Step 5: After all of the procedures are fulfilled, the consumer begins paying the agreed-upon amount to Tabby on a monthly basis.


Key features required in a BNPL app like Tabby

Key features required in a BNPL app like Tabby

If you want an app like Tabby developed, you need to provide some basic and some advanced features like the ones available in Tabby. We will discuss those features in this section.

Login and verificationBy integrating the app with their phone number, the user will register themselves with the app. After that, they have to provide their national identification number to complete the verification process.

Account management: Display all the account information of the customer including their purchase history, upcoming payment dates, and other relevant information of the customer.

Reminders: Customers will be informed of their impending payment amounts and due dates, allowing them to make timely payments and prevent overdrafts. 

Automatic deductionsAllow your clients to manually enable this functionality, which will allow the app to take costs from the selected card automatically. They should also be able to add multiple cards and switch them when needed. 

Advanced payment: Customers can pay in installments even if the due date is not yet reached. 


Featured stores: An separate section in the app to highlight the best brands with which the app has collaborated, so clients don't have to dig around to find out which companies support the payment service.

Guest feature:  Customers without an account can still use the app and sign up later while making payments. 

Cashback: Offer a percentage-based cashback from selected stores to customers when using the app to shop.

Security: With the most strong and effective security system in place, the app is protected from cyber-attacks and data loss. 


Factors That Affect the Development Cost of an App Like Tabby

Factors That Affect the Development Cost of an App Like Tabby

App Platform

Different platforms have varying degrees of complexity. Some require more written codes, while others may get by with only a few. Furthermore, you must test the app on a variety of devices, and the hybrid and native platforms are continually at odds. As a result, the cost of development is influenced by the type of app development platform used.

App Design 

An app should be built in such a way that users find it simple and straightforward to use, with no bugs or problems. The development cost will be higher if you can invest more in modern technology to create high-end designs.

App Development Team

To produce an app like Tabby with outstanding features, designs, and functionality, you'll need to hire a highly trained experienced team of mobile app developers. Inexperienced developers are more prone to make a mistake while creating such complex mobile apps. Naturally, the cost of developing a mobile app will be more if you choose a skilled developer with a lot of expertise. We can assist you to a great degree if you are seeking skilled mobile app developers in Dubai.

App feature and functionality

Tabby comes with a plethora of features. You don't have to supply all of the features when you're just starting out. Choose just the functions that are necessary and spend money on making them helpful to the users. The more features you include, the more expensive it is to create an app like Tabby. At first, we recommend focusing on fewer features. Once you've established a following, you may add new features and functions.


Cost to Develop an App Like Tabby

The development cost of a buy-now-pay-later like Tabby will cost you from AED 60000 to AED 80000. This is just a ballpark figure. We can predict the cost more precisely if you provide us with detailed descriptions of the app, mentioning your requirements and expectations. You can contact us for more details.

We can also help you integrate a buy-now-pay-later app like Tabby in your mobile app or ecommerce website. 

Email us at or call on +971566027916. Here at Royex, we have an experienced developer team who have hands-on experience in making user-friendly, beautiful, functional, and bug-free mobile apps across all platforms. 

Why Royex Technologies?

Royex Technologies is a leading mobile app development company in Dubai. We have successfully delivered more than 300 projects to date for our clients around the world. Each day, we’re adding new feathers to our cap. Our sole aim is to provide high-quality mobile apps for our clients. 

You can check our website and have a look at the portfolio for reassurance. Our committed and dedicated teams work relentlessly to uphold the fame we’ve achieved for the last few years. You can rely on us with the responsibility of making your dreams turn into reality. Let us know what you’re expecting from the app, we’ll do the rest.

About the Author

Shams Mohammed

Shams Mohammed works as a Digital Marketer for Royex Technologies. He has over 5 years of experience as digital marketer with special focus on lead generation and brand awareness. He has undertaken several projects and delivered them successfully and wishes to continue developing and growing as a successful Digital Marketer.

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