Split your payments

It depends on your shopping history with Tamara. Your maximum limit could reach Miinimum 3000SAR/ 3000AED and 242 KWD. KUWAIT_MAX_LIMIT.

Tamara’s “Split in 3” option allows you to split your payments into 3 interest-free payments. The first payment is made once your order is placed, and the next two payments are made over the course of 60 days. Here’s how you can make an order with Tamara:

• Choose how you want to shop; Tamara is available online (and in-store).*
• Select Tamara at the time of payment. Choose our “Split in 3” option upon checkout.
• Log in using your mobile number and verify via a one-time password.
• If you are based in KSA or UAE, verify your ID.
• Enter your payment details and complete your first payment.
• Make the rest of your payments for your order according to the payment plan chosen at the time of checkout, which is reflected in the due dates shown on Tamara’s mobile app.

There are several potential reasons for rejection, including but not limited to the following:

• Your card isn't activated or fit for e-commerce.
• You have prior commitments to your bank/telecommunications company and/or are flagged by Simah/Al Etihad Credit Bureau (AECB)/Ci-Net
• You have unpaid bills from Tamara.
• Tamara's intricate risk system considers the value of your purchase too high.
• The value of the items you're trying to buy exceeds the allowed limit.

If none of the above reasons apply to you, please try with a different card.

We’re here to help you! Visit the Tamara Help Center, or reach out to our support team using the Tamara app. For Saudi Arabia, contact us at 8008500548; for the United Arab Emirates and for Kuwait, contact us at +966 8001240441 (charges may apply).

You can also reach out to us via our social media accounts:
Instagram
Twitter

Yes, you can! Log in to your account using the Tamara app available on the App Store for iOS, Google Play for Android, or on our website. Select the payments you'd like to make, and then make your payment using your preferred method:

For KSA: Mada, Visa, Mastercard, Amex card, or Apple Pay.
For AE: Visa, Mastercard, or Apple Pay.
For KW: Knet, Visa or Mastercard

Yes! If auto charge is not enabled, you may select your payment method at the time of payment. Log in to your Tamara account, go to Settings, navigate to Payments Methods, and add a different card or simply choose to pay with a different card at the time of payment

If auto charge is enabled, due payments are automatically deducted from the card linked to your profile. To change your card, first, add your new card and then delete the previously used card from your profile.

Please note that one card cannot be linked to two different Tamara accounts.

Your payment plan depends on the payment type you have selected (Split in 3 ). You will be able to see your payment plan at the last step of checkout. You will also receive it via email from Tamara upon the confirmation of your order. In addition, you can download the Tamara app to receive payment reminders via push notifications and to keep track of your upcoming due payments and the dates by which you are scheduled to pay them. Tamara will also send you payment reminders over SMS.

When selecting our “Split in 3” payment options, your first payment is due upon making an order. Once your first payment is made, your order is confirmed and will be shipped to you as per the store’s policy.

If you have any questions or concerns regarding payments, kindly reach out to the Tamara Customer Care team for support.

As long as you make your payments on time, you will never be charged a late fee! However, if you miss a payment due date, Tamara charges a late fee of SAR/AED 25 or KWD 2 one day after the due date. An additional late fee of SAR/AED 25 or KWD 2 will be charged with every 15 days of delay. Fees are limited to SAR/AED 150 or KWD 12 or 25% of the order value (the minimum of the two options will apply).

Please note: Repeated delays in payment will be reported to the credit bureau in Saudi Arabia (SIMAH), AECB in the United Arab Emirates, or Ci-Net in Kuwait. This will impact your credit score and lead to the suspension of your Tamara account until your entire overdue amount, including late fees, is paid in full.

Returns and cancellations are subject to the store’s order policies. You can request a cancellation/return directly from the store you have placed an order with.

Cancellation before order shipment:

If the refund method selected is your payment account and your order cancellation request is approved by the store, the store will inform Tamara of the update. Tamara will automatically adjust your payment plan and refund the relevant amount if applicable.

How your refund is received is based on the refund method you have selected and your refund request. If your store has a refund to store wallet option, please ensure your payment account is selected as your refund method, or you will still be required to make payments to Tamara.

The estimated refund times are as follows:

1- If your order was purchased up to 14 days ago, your refund will be processed immediately for Mada and credit cards.
2- If your order was purchased less than 14 days ago, your refund will take up to 5 business days to be processed for Mada cards.

Please note:

• Tamara processes refunds according to the timeline above. However, it may take up to 21 business days for the refunded amount to be reflected in your payment account​​.
• The Tamara app will reflect the updated payment plan once the store approves your cancellation request and informs Tamara.

Returning items:

If your refund method is selected as your payment account, the store will inform Tamara once the item has been returned. Tamara will update your account accordingly.

If you already made payments to Tamara, a refund will be initiated within 24 hours of the status update. However, if you are yet to make any payments, the payment plan will be automatically adjusted to reflect the updated order value and remaining payments.

How your refund is received is based on the refund method you have selected and your refund request. If your store has a refund to store wallet option, please ensure your payment account is selected as your refund method, or you will still be required to make payments to Tamara.

The estimated refund times are as follows:

1- If your order was purchased up to 14 days ago, your refund will be processed immediately for Mada and credit cards.
2- If your order was purchased less than 14 days ago, your refund will take up to 5 business days to be processed for Mada cards.

Please note:

• Tamara processes refunds according to the timeline above. However, it may take up to 21 business days for the refunded amount to be reflected in your payment account.
• The Tamara app will reflect the updated payment plan once the store approves your cancellation request and informs Tamara.

The invoice on your Tamara account will be updated automatically once the merchant has confirmed your return/cancellation request and informed Tamara of the return or cancellation. You'll receive an SMS from Tamara informing you of such updates.

Once your order return/cancellation is confirmed and reported to Tamara, you will receive the refunded amount in your payment account within 21 working days.