Tabby BNPL & Card Data API

Tabby FZ LLC · Lending

Tabby: Send, spend and save is the GCC consumer-finance app from Dubai-based Tabby FZ LLC. Shoppers split merchant purchases into interest-free instalments, spend on a Tabby card, draw Tabby Advance cash into a bank account, pay utility bills, send money to saved beneficiaries, and hold a debit account with a local IBAN. The Android client is the logged-in home for those products in the United Arab Emirates and Saudi Arabia, competing with Tamara and bank-issued cards for the same pay-later shoppers.

Merchant-loan remaining on each purchase sits next to statement amount_to_pay, due_date and optional min_payment, while the card record exposes limit versus remaining and the debit account returns an iban with balance. Remittance quotes add send_amount, receive_amount and rate; cashback withdrawal shows real_balance against virtual_balance.

Treasury teams reconcile merchant instalments against monthly statements; card-issuing partners watch limit utilisation; remittance desks compare quoted rates before payout. openData Studio turns those records into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send login OTP
POST /v1/signin/otp/dispatch osint
Starts phone sign-in by sending an OTP to SendCodeRequest.phone with language, before confirmation_code is posted to login.
Auth: Unauthenticated JSON body. Later calls attach Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.
- phone
- language
```
POST /v1/signin/otp/dispatch HTTP/1.1
Content-Type: application/json

{
  "phone": "+971501234567",
  "language": "en"
}
```
```
{
  "status": "ok"
}
```
Password or OTP login
POST /v1/signin/verify osint
Exchanges LoginRequest phone and confirmation_code (or password) for AuthResponseDto access_token and refresh_token used as Bearer on customer routes.
Auth: JSON body phone + confirmation_code (or password). Response AuthResponseDto access_token / refresh_token become Authorization: Bearer on later customer calls.
- phone
- confirmation_code
- lang
- device_info
- success_otp_token
- password
- access_token
- refresh_token
```
POST /v1/signin/verify HTTP/1.1
Content-Type: application/json

{
  "phone": "+971501234567",
  "confirmation_code": "123456",
  "lang": "en",
  "device_info": {
    "platform": "android"
  },
  "success_otp_token": "otp_tok_8f21",
  "password": null
}
```
```
{
  "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
  "refresh_token": "rt_9c10aa11"
}
```
Refresh access token
POST /v1/signin/refresh osint
Renews the session: RefreshTokenRequest.token in, AuthResponseDto access_token and refresh_token out.
Auth: JSON body RefreshTokenRequest.token (the refresh_token from AuthResponseDto). Returns a new access_token / refresh_token pair.
- token
- access_token
- refresh_token
```
POST /v1/signin/refresh HTTP/1.1
Content-Type: application/json

{
  "token": "rt_9c10aa11"
}
```
```
{
  "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
  "refresh_token": "rt_bb22cc33"
}
```

List BNPL statements

GET /v1/statements openfinance

Pages monthly BNPL statements: StatementDTO amount_to_pay against amount_paid, due_date, optional MinPaymentDTO to_pay, late_fees and currency.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

id
start_date
end_date
due_date
amount_to_pay
amount_paid
amount_total
amount_to_pay_without_fee
min_payment
min_payment_available
to_pay
late_fees
status
currency
type
subscription_active

GET /v1/statements HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "items": [
    {
      "id": "st_441",
      "start_date": "2026-09-01",
      "end_date": "2026-09-30",
      "due_date": "2026-10-14",
      "amount_to_pay": "420.00",
      "amount_paid": "80.00",
      "amount_total": "500.00",
      "amount_to_pay_without_fee": "400.00",
      "amount_paid_without_fee": "80.00",
      "transfered_amount": "0.00",
      "min_payment": {
        "min_payment_available": true,
        "to_pay": "50.00",
        "paid": "0.00",
        "available_till": "2026-10-14",
        "available_from": "2026-10-01",
        "transfer_fee": "0.00",
        "to_next_statement_amount": "370.00"
      },
      "late_fees": "0.00",
      "rolling_split_service_fee": "0.00",
      "subscription_active": true,
      "status": "due",
      "currency": "AED",
      "type": "monthly",
      "subscription": {
        "id": "sub_plus"
      }
    }
  ]
}

Purchase loan detail

GET /v1/purchases/{purchase_id} openfinance

Loads one BNPL purchase: PurchaseDTO status, merchant name, order billed_amount, and PurchaseLoanDTO remaining versus paid plus installments.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

id
status
displayed_status
currency
can_be_paid
in_statement
merchant
name
logo
order
amount
billed_amount
refunded_amount
loan
paid
remaining
installments
order_amount
total_service_fee

GET /v1/purchases/pur_882144 HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "id": "pur_882144",
  "status": "to_pay",
  "displayed_status": "Due",
  "currency": "AED",
  "paid_date": null,
  "can_be_paid": true,
  "disputes_enabled": true,
  "in_statement": true,
  "merchant": {
    "id": "m_noon",
    "url": "https://noon.com",
    "name": "noon",
    "logo": "https://img.example.com/merchants/noon.png"
  },
  "order": {
    "id": "ord_991",
    "number": "N-441",
    "amount": "400.00",
    "billed_amount": "400.00",
    "refunded_amount": "0.00",
    "discount": "0.00",
    "tax_amount": "19.05",
    "shipping_amount": "0.00",
    "created_at": "2026-09-12T14:22:01Z",
    "currency": "AED",
    "status": "captured"
  },
  "loan": {
    "paid": "100.00",
    "remaining": "300.00",
    "refunded": false,
    "refunded_amount": "0.00",
    "order_amount": "400.00",
    "actual_order_amount": "400.00",
    "total_service_fee": "0.00",
    "service_fee": "0.00",
    "post_split": false,
    "statement_split": true,
    "has_contract": true,
    "installments": [
      {
        "amount": "100.00",
        "due_date": "2026-10-12",
        "status": "paid"
      }
    ]
  }
}

Tabby Advance loan offers

GET /v1/cash-loans/offers openfinance

Quotes Tabby Advance cash-loan options: LoanOfferDTO principal, amount_to_pay, repayment_fee, RegularPaymentDTO and payment_schedule.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

is_default
principal
amount_to_pay
repayment_fee
regular_payment
payment_schedule

GET /v1/cash-loans/offers HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "offers": [
    {
      "is_default": true,
      "principal": "2000.00",
      "amount_to_pay": "2200.00",
      "repayment_fee": "200.00",
      "regular_payment": {
        "principal": "500.00",
        "repayment_fee": "50.00",
        "amount_to_pay": "550.00"
      },
      "payment_schedule": [
        {
          "amount_to_pay": "550.00",
          "due_date": "2026-11-14"
        }
      ]
    }
  ]
}

Submit Advance application

POST /v1/cash-loans/applications openfinance

Creates a Tabby Advance application and returns ApplicationDTO id, status, expiry_date, masked_iban payout account and CurrentLoanOfferDTO amount_to_pay.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

id
loan_terms_id
amount
currency
expiry_date
status
is_finalized
amount_changed
rejection_reason
masked_iban
principal
amount_to_pay
first_payment_date
repayment_fee

POST /v1/cash-loans/applications HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Content-Type: application/json

{
  "loan_terms_id": "lt_90d",
  "amount": "2000.00",
  "currency": "AED"
}

{
  "id": "app_771",
  "loan_terms_id": "lt_90d",
  "amount": "2000.00",
  "currency": "AED",
  "expiry_date": "2026-10-23",
  "status": "pending",
  "is_finalized": false,
  "amount_changed": false,
  "rejection_reason": null,
  "bank_account": {
    "id": "ba_12",
    "type": "iban",
    "masked_iban": "AE12 **** **** 0090",
    "currency": "AED",
    "available": true
  },
  "loan_offer": {
    "amount_to_pay": "2200.00",
    "first_payment_date": "2026-11-14",
    "principal": "2000.00",
    "repayment_fee": "200.00",
    "regular_payment": {
      "principal": "500.00",
      "repayment_fee": "50.00",
      "amount_to_pay": "550.00"
    },
    "payment_schedule": []
  }
}

Card spending limit

GET /v1/cards/spending-limit openbanking

Reads the Tabby card ceiling: CardLimitDTO type, limit versus remaining, with MoneyAmountDTO amount and currency.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

type
period
limit
value
remaining
amount
currency

GET /v1/cards/spending-limit HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "type": "monthly",
  "period": "month",
  "limit": {
    "amount": "5000.00",
    "currency": "AED"
  },
  "value": "5000.00",
  "remaining": {
    "amount": "3120.50",
    "currency": "AED"
  }
}

Debit account summary
GET /v1/accounts/summary openbanking
Returns the debit-account snapshot: AccountBalanceDto balance and currency plus maxTopUpAmount / minTopUpAmount / remainingTopUpAmount.
Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.
- balance
- currency
- maxTopUpAmount
- minTopUpAmount
- remainingTopUpAmount
- presetTopupsAmount
```
GET /v1/accounts/summary HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json
```
```
{
  "balance": "1840.25",
  "currency": "AED",
  "maxTopUpAmount": "20000.00",
  "minTopUpAmount": "10.00",
  "remainingTopUpAmount": "18159.75",
  "presetTopupsAmount": ["50.00", "100.00", "200.00"]
}
```

Debit IBAN details

GET /v1/accounts/iban openbanking

Returns the debit payout coordinates: AccountIbanDetailsDto iban plus AccountDetailsDto beneficiaryName, partnerBank and remainingTopUpAmount.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

iban
currencyShort
currencyFull
maxTopUpAmount
remainingTopUpAmount
beneficiaryName
partnerBank

GET /v1/accounts/iban HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "iban": "AE070331234567890123456",
  "currencyShort": "AED",
  "currencyFull": "UAE Dirham",
  "maxTopUpAmount": "20000.00",
  "remainingTopUpAmount": "18159.75",
  "beneficiaryName": "FATIMA ALI",
  "partnerBank": "Wio Bank",
  "customer": {
    "name": "Fatima Ali"
  }
}

Remittance quote

POST /v1/transfers/quote openbanking

Quotes a send: TransferCalculationDTO send_amount versus receive_amount, rate / rate_precise, fees, total_to_pay and sla.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

send_amount
receive_amount
rate
rate_precise
fees
total_to_pay
sla

POST /v1/transfers/quote HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Content-Type: application/json

{
  "send_amount": "500.00",
  "currency": "AED"
}

{
  "send_amount": "500.00",
  "receive_amount": "13580.00",
  "rate": "27.16",
  "rate_precise": "27.160000",
  "fees": "0.00",
  "total_to_pay": "500.00",
  "sla": "T+0"
}

List remittance beneficiaries

GET /v1/transfers/beneficiaries openbanking

Lists saved payout counterparts: BeneficiaryDTO id, pointer, name, provider_code, phone_number and account_details.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

id
pointer
name
avatar_url
type
provider_code
icon_url
phone_number
account_details
deletion_handle

GET /v1/transfers/beneficiaries HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "items": [
    {
      "id": "ben_19",
      "pointer": "iban:AE070331234567890123456",
      "name": "Omar Hassan",
      "avatar_url": "https://img.example.com/avatars/omar.png",
      "type": "iban",
      "provider_code": "WIO",
      "icon_url": "https://img.example.com/banks/wio.png",
      "phone_number": "+971509876543",
      "account_details": {
        "iban": "AE070331234567890123456"
      },
      "view": "full",
      "deletion_handle": "del_19"
    }
  ]
}

Cashback withdrawal summary
GET /v1/rewards/withdrawable openfinance
Reads withdrawable loyalty cash: WithdrawBalanceDTO balance split into real_balance and virtual_balance with currency.
Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.
- balance
- real_balance
- virtual_balance
- currency
```
GET /v1/rewards/withdrawable HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json
```
```
{
  "balance": "85.40",
  "real_balance": "60.40",
  "virtual_balance": "25.00",
  "currency": "AED"
}
```

Bill-account lookup

GET /v1/bills/account-lookup opendata

Resolves a utility account: BillAccountDetailsResponseDTO with BillDTO amount, status, is_bnpl_available and BillerDTO name.

Auth: Authorization: Bearer access_token from AuthResponseDto after POST /v1/signin/verify.

account
details
nickname
is_persistent
bill
id
amount
currency
status
pay_now_status
is_bnpl_available
biller
name
logo_url

GET /v1/bills/account-lookup?account=0501234567 HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "account": {
    "details": "0501234567",
    "nickname": "Home DEWA",
    "is_persistent": true
  },
  "bill": {
    "id": "bill_331",
    "amount": "312.80",
    "currency": "AED",
    "details": "Sep 2026",
    "status": "unpaid",
    "pay_now_status": "ready",
    "is_bnpl_available": true
  },
  "biller": {
    "name": "DEWA",
    "logo_url": "https://img.example.com/billers/dewa.png"
  }
}

Data categories

balances
statements
transactions
loans
cards
transfers

Where teams use this data

BNPL statement reconciliation
A treasury bot pulls monthly amount_to_pay, amount_paid and due_date, then matches each purchase remaining against the statement so finance sees which merchant loans still sit open.
Card-limit utilisation watch
An issuing-ops dashboard charts CardLimitDTO remaining against limit and debit account balance so a spend spike on the Tabby card is visible before the next statement.
Remittance quote compare
A corridor desk stores send_amount, receive_amount, rate_precise and fees from each calculate call, then ranks Tabby quotes next to bank FX for the same beneficiary pointer.
Advance payout tracking
A lending stack records ApplicationDTO status, expiry_date and masked_iban, then watches CurrentLoanOfferDTO amount_to_pay after disburse so cash-loan books stay aligned with the customer screen.

Frequently asked questions

What customer records does Tabby expose after login?

Signed-in calls return BNPL statements (amount_to_pay, due_date, min_payment), per-purchase loan remaining, Tabby Advance offers (principal, repayment_fee), card limit versus remaining, debit iban and balance, remittance quotes (send_amount, receive_amount, rate), cashback real_balance / virtual_balance, and utility bill amount with is_bnpl_available.

How does Tabby authenticate the customer session?

The client posts phone on send-code, then phone plus confirmation_code (or password) on login. AuthResponseDto returns access_token and refresh_token; later customer routes send Authorization: Bearer access_token. Token refresh posts the refresh_token as token.

Which markets do these customer records cover?

The Android client is the logged-in home for Tabby FZ LLC shoppers in the United Arab Emirates and Saudi Arabia. Statement and debit amounts in the models carry a currency field (commonly AED on UAE accounts).

Apps similar to Tabby: Send, spend and save

Tamara — Tamara is a buy-now-pay-later app in Saudi Arabia and the UAE that lets shoppers pay in full or split a purchase into interest-free instalments, including Sharia-compliant plans that do not charge late-payment interest.
Postpay — Postpay is a Dubai-founded buy-now-pay-later service that splits checkout purchases at partnered UAE retailers into three interest-free instalments.
Cashew — Cashew is a UAE buy-now-pay-later platform that splits larger purchases—such as healthcare, education, automotive and home improvement—into 3, 6 or up to 12 monthly instalments at online and in-store partners.
Spotii — Spotii is a MENA buy-now-pay-later app used in the UAE, Saudi Arabia and Bahrain that lets shoppers split purchases into instalments at partnered merchants.
MISpay — MISpay is a Saudi Central Bank–supervised buy-now-pay-later app that splits purchases into four interest-free, Shariah-compliant instalments online, in store and in the MISpay app.
Wio — Wio Personal is an Abu Dhabi digital bank, licensed by the Central Bank of the UAE, whose app opens an AED account, sends money in several currencies and issues a cashback credit card.

More Lending apps

Topics

Tabby API
BNPL statements
amount_to_pay
Tabby Advance
card limit
debit IBAN
remittance quote
UAE pay later

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Tabby BNPL & Card Data API

Screenshots

API surface

Send login OTP

Password or OTP login

Refresh access token

List BNPL statements

Purchase loan detail

Tabby Advance loan offers

Submit Advance application

Card spending limit

Debit account summary

Debit IBAN details

Remittance quote

List remittance beneficiaries

Cashback withdrawal summary

Bill-account lookup

Data categories

Where teams use this data

BNPL statement reconciliation

Card-limit utilisation watch

Remittance quote compare

Advance payout tracking

Frequently asked questions

Apps similar to Tabby: Send, spend and save

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Tabby BNPL & Card Data API

Screenshots

API surface

Send login OTP

Password or OTP login

Refresh access token

List BNPL statements

Purchase loan detail

Tabby Advance loan offers

Submit Advance application

Card spending limit

Debit account summary

Debit IBAN details

Remittance quote

List remittance beneficiaries

Cashback withdrawal summary

Bill-account lookup

Data categories

Where teams use this data

BNPL statement reconciliation

Card-limit utilisation watch

Remittance quote compare

Advance payout tracking

Frequently asked questions

Related apps

Apps similar to Tabby: Send, spend and save

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?