Tabby Fee Calculator Saudi Arabia
Calculate official Tabby merchant discount rates in Saudi Arabia. Official fee: 5.49% + SAR1.50 (+15% VAT).
Customers enjoy 4 interest-free split payments. You receive the full settlement upfront without taking on default risk.
Tabby BNPL Merchant Architecture in Saudi Arabia (2026)
Tabby operates as a consumer financing intermediary, enabling 4-part split payments while funding merchants upfront:
Base commission deducted from order total. Surcharging shoppers for selecting Tabby is strictly prohibited under card network and central bank regulations.
Calculated strictly on the financial fee (not gross product total) and fully deductible as input VAT on your corporate tax returns.
Tabby assumes 100% of customer credit default and fraud risk. You receive the full invoice net amount into your SAR account.
Mathematical Gross-Up Equation for Saudi Arabia
To preserve your target product margin after accounting for Tabby MDR and statutory 15% VAT:
Factoring in the 15% statutory VAT elevates your true effective commission drag to 6.31%.
4 Strategic Protocols for Tabby Merchants in Saudi Arabia
Maximize customer average order value (AOV) while safeguarding your bottom line:
Do not enable Tabby on low-ticket accessories under SAR100. Restrict BNPL to higher-margin catalog items to ensure increased cart size outpaces the MDR cost.
Tabby’s mobile shopping app generates high organic discovery across the Gulf region. Treat the commission as an ad cost rather than pure payment overhead.
Download monthly electronic tax invoices from the Tabby Merchant Portal and file them with your local tax authority to reclaim the 15% VAT portion.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Once your store crosses monthly GMV thresholds of SAR250,000, request custom enterprise pricing from Tabby to compress MDR below 4.5%.
Frequently Asked Questions About Tabby in Saudi Arabia
What are Tabby's exact merchant fees in Saudi Arabia? ▾
In Saudi Arabia, Tabby charges a merchant discount rate of 5.49% + SAR1.50 per order plus 15% VAT on the transaction fee.
When does Tabby settle payments in Saudi Arabia? ▾
Tabby delivers net payouts into your domestic bank account in Saudi Arabia within T+2 Business Days.
Does the shopper in Saudi Arabia pay interest on Tabby installments? ▾
No. Customers in Saudi Arabia enjoy 4 interest-free split payments with 0% interest and zero administrative charges when payments are made on time.
How does Tabby protect merchants in Saudi Arabia against credit default? ▾
Tabby assumes 100% of customer non-payment and fraud risk. Once an order is fulfilled and dispatched, the merchant receives guaranteed settlement regardless of whether the buyer pays future installments.
Can merchants in Saudi Arabia surcharge or pass Tabby fees to customers? ▾
No. Tabby merchant terms and regional consumer protection regulations prohibit surcharging or adding checkout convenience fees specifically for Tabby payments.
What happens when a customer returns an item purchased via Tabby in Saudi Arabia? ▾
When you issue a partial or full refund through your eCommerce portal, Tabby automatically updates or refunds the customer's installment schedule. The original merchant processing fee is retained by Tabby.
How does Tabby integrate with Shopify, WooCommerce, and Salla/Zid in Saudi Arabia? ▾
Tabby provides certified native plugins for Shopify, WooCommerce, Magento, and leading Middle Eastern platforms like Salla and Zid, supporting dynamic product widget badges and instant one-click checkout.
Are Tabby merchant processing fees tax-deductible in Saudi Arabia? ▾
Yes. All merchant discount rates and VAT assessed on processing fees are 100% deductible operating business expenses on corporate tax and VAT filings with local tax authorities.
Verified Methodology & Primary Legal Sources 2026 Audit
All calculation logic, statutory caps, and tax models are cross-referenced with official merchant agreements.