Is It Worth Building a Fintech App Like Tabby UAE? A Complete Breakdown

Picture yourself as you are looking for a limited edition watch you have been planning to buy from your favorite online store or you are eyeing the perfect AirPods for your device. You add your favorites to your cart, but as soon as you proceed to checkout, you find that your bank balance is low. No need to worry; Tabby UAE has got you covered, as it offers a hassle-free and smart shopping experience. This service significantly impacts payment apps in Dubai by allowing you to buy now and pay later, which helps you avoid exhausting your monthly budget on large purchases.

What is Tabby UAE and Why Is It So Popular?

Tabby UAE allows you to split your purchases into four easy, interest-free payments or choose up to 12 monthly payments with no hidden charges or interest. Tabby Fintech was launched in 2019, and it is already on the list of the most downloaded “buy now, pay later” apps in Dubai, with more than 5 million downloads and 12 million users across the region.

The vision for Tabby Dubai separates it from other Buy Now, Pay Later apps, as the sole purpose of the app is to give users a convenient and secure shopping experience. This significantly helps them in keeping their finances sorted. Its focused approach to simplifying the user experience makes it the most trusted buy-now, pay-later platform for users throughout Dubai.

Tabby Fintech has distinguished merchant partners with varied payment models in which buyers can pay across several weeks without any overhead charges. This procedure works on both ends, as the customer gets loyalty benefits and retailers get their sales increased.

How the Tabby Payment Model Works

Now that you have understood that Tabby UAE has gained its popularity because of interest-free payments and no hidden charges. You all must be wondering how an app like Tabby UAE generates revenue. If this question has crossed your mind even before signing in, then let’s dig deep into it.

Here is how Tabby Fintech generates revenue from both ends without any overhead charges to their customers.

Service Fee: To become partners with Tabby, retailers must pay a specific fee. Essentially, the seller must provide Tabby with a small percentage of its sales, as Tabby’s payment options allow customers to make larger purchases without depleting their monthly budgets all at once.

Late Payment charges: Tabby buy now pay later offers interest free installments however there are certain charges which you have to pay as a late payment fee. This interest free is not their major source of income but it covers the basic cost if users miss their payments. Its simplified late payment fee structure is clear and easy so that users do not forget the due dates as well.

Data driven-statstics: Tabby Fintech provides data-driven insights to help you gain a better understanding of consumer behaviors. The main purpose of this data is to provide personalized recommendations for fine-tuning their services for valuable partnerships as well as targeted promotions.

Tabby+: Tabby+ is an account where users can access all their daily necessities, such as electricity, fuel, and groceries, in installments. However, just by paying 49 AED per month, you can access Tabby plus premium services with a free trial for people who first want to understand how the Tabby plus system functions.

Essential Features for a Tabby UAE-Like Fintech App

Tabby UAE offers a seamless user experience; that is why it has become the preferred choice for e-commerce users with its robust security and ease of use. It is the perfect combination of SDKs and APIs that work flawlessly, even when you want it to function across platforms. Tabby Fintech has set such a high standard that every cross-platform app aspires to include features like Tabby Pay.

Here is the list of all the features that make Tabby UAE the prime choice of users and merchants.

Sign In

On the other hand, apps want you to sign in using your e-mail or mobile. Tabby simplifies the process for us and provides customers with the option for guest check-in. You do need to share any details related to phone or e-mail until you have experienced the app. 

Shop

Tabby offers a simplified shop feature that allows users to create a storefront with categorized store names and a list of discounted products. The feature gave easy access to customers to check all the information related to the product, such as pricing and offers. 

Payment Splitting

The split payment option allows users to divide the purchasing amount into four simple installments; they just need to add their card details. To take advantage of the four easy payments, you only need to pay the first installment at the time of purchase; the remaining amounts will be divided and billed once every month.

Advance Payments

Flexibility is the core principle of Tabby UAE, which is why it offers users the option for advance payments whenever they have sufficient funds available before their scheduled payment date. This reduces the burden of overhead cost for users, as now they do not need to wait for a specific day.

Auto-Pay

To make the user experience hassle-free, apps like Tabby UAE give the option of Auto-Pay, through which the amount gets deducted automatically with pre- and post-deduction notifications. Users receive a notification before the payment deduction, allowing them to choose whether to proceed with the payment or cancel it.

Dedicated Dashboard for Merchants

You can get all the insights on your store’s performance metrics with a dedicated merchant dashboard, which includes revenue generated by Tabby and the number of orders for a whole month or year.

Dedicated Account Management

What separates an app like Tabby UAE from other normal apps is that users get a dedicated account management system. This gives you the leverage of viewing details on personal information, future payments, purchase history and payments made.

Links for Payment

The payment links enable merchants to share the payment page with their shoppers. The app makes it effortless for the store owners, admin, supervisor, and sales manager to create and share payment links with their customers.

Is It Profitable to Build a BNPL App Like Tabby UAE?

In today’s modern era of digitalized payments, developing a “buy now, pay later” application is the optimal investment. It is not a trend for tomorrow; according to reports from Mordor Intelligence, the current value of the BNPL services market in Dubai is projected to be 4.25 billion USD in 2025 and is expected to reach 9.64 billion USD by 2030. This high e-commerce penetration is the reason behind it, reflecting a CAGR of 18.29 from 2025 to 2030.

Dubai payment apps contribute 71.3% of the UAE buy now pay later market for 2024, while on the other hand, point-of-sale BNPL is predicted to expand 20.5% CAGR through 2030. Platforms like Tabby payment have revolutionized consumer electronics accounts, holding a 32.6% share of UAE BNPL services in 2024. 

Additionally, the healthcare and wellness sectors are expected to grow at a CAGR of 22.8% from 2025 to 2030. This makes it the most perfect time for building an buy now pay later app in UAE for higher return on your investments.

Cost Breakdown to Build a Fintech App Like Tabby UAE

Tabby UAE is one of the most demanded buy now, pay later apps in Dubai. Businesses are eager to develop an app similar to Tabby’s payment system. However, the intelligent course of action would be to hire a dedicated mobile app development service in Dubai. This will enable you to have a dynamic app that can adapt to constantly changing market trends and meet your unique business requirements.

However there are few other factors which will affect the cost for building an app like Tabby UAE here is detailed breakdown for it.

Development Phase	Key Features	Timeline	Estimated Cost(AED)
Strategy and Research	Sharia complaints , market research and user flow mapping	80 to 120 hours	12-,000 to 30,000
UX, UI Design	Tailored BNPL interface and wireframes	120 to 200 hours	18,000 to 50,000
Front-end development	iOS & Android interfaces using Flutter or React Native	350 to 500 hours	52,500 to 125,000
Back-end development	Transaction,API development,  payment gateways, user accounts	450 to 700 hours	67,500 to 175,000
Safety integrations	Compliance with Sharia law, legal framework	80 to 150 hours	12,000 to 37,500
Third-party inculcations	Know Your Customer tools, payment gateways, BNPL credit assessment	150 to 300 hours	22,500 to 75,000
Quality assurance and testing	Frequent testing and optimizations	100 to 200 hours	15,000 to 50,000
Post Launch support	Launch prep and app store compliance	50 to 100 hours	7,500 to 25,000
TOTAl PRICING		1,380 to 2,270 hours	207,000 to 567,500

 

How Emizentech Can Help You Build a Fintech App Like Tabby

Until now you have understood the opportunities BNPL model has in Dubai,s business ecosystem and the cost involved in it. If you are wondering how to build a Buy Now pay later app for Dubai EmizenTech will assist you in bringing your vision into reality. Your trusted Fintech App development company specializes in creating tailored and dynamic platforms for your business. 

What we offer at Emizentech-

• Tailored Development model
• Dynamic platform adaptable to market trends  
• Fast tracked and robust development of your app 
• Ai powered content and threat analysis 
• User friendly interface for flawless customer experience

Our skilled mobile app developers make sure that the app meets all the standards for Dubai data safety and governance with respect to the Sharia Law.

Conclusion

Modern-day businesses need to look for a dedicated app developer in Dubai who brings their experience for a high-quality application, which ensures scalability. Frequent evolution of the Buy now pay later industry has made it essential for all organizations to come up with a dynamic app which understands market trends and has an in-depth understanding of consumers buying patterns. That  is why it is a must for businesses to work in close coordination with a reliable Fintech software development company that understands and aligns with your vision. 

FAQ’s