Yuno, a global financial infrastructure platform, entered into a strategic partnership with Riyadh-headquartered financial services app Tabby. This integration allows Yuno merchants to offer Tabby’s “Pay in 4” interest-free payment option to consumers at checkout across Saudi Arabia and the United Arab Emirates.
As the dominant player in the Middle Eastern BNPL market, Tabby currently boasts a shopper base of more than 25 million users and handles over $17billion in annualized transaction volume. In fact, approximately two out of every three adults in the UAE and Saudi Arabia are registered users of the platform.
Addressing regional market dynamics
The partnership is designed to tap into specific cultural and economic drivers within the GCC. Traditional credit card penetration remains relatively low in these markets, where many consumers actively prefer financial products that avoid interest for religious and cultural reasons.
Flexible solutions like Tabby have gained rapid traction by allowing users to split their purchases into four payments without incurring interest, helping them maintain control over their spending. For merchants, the benefits are equally significant:
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Higher Conversion: Offering trusted local payment methods increases the likelihood of a completed sale.
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Increased AOV: Flexible payment plans often lead to higher average order values.
The integration removes a major barrier for global merchants expanding into the MENA region by providing instant access to a trusted local payment stack.
“The MENA region has strong demand for payment options that give consumers flexibility without relying on traditional interest-based credit,” said Juan Pablo Ortega, co-founder and CEO of Yuno. “By partnering with Tabby, we enable our merchants to offer a payment method that shoppers already trust and use every day”.
Seamless merchant integration
A key differentiator of this partnership is the ease of deployment. When a merchant joins Yuno, Tabby becomes automatically available as part of their payment stack from the first day of operation. This “day one” availability bypasses the need for merchants to build or manage separate local payment infrastructures.
Zain Khan, senior director of business development at Tabby, noted that merchants are not “starting from scratch” when adding Tabby through Yuno, as the majority of their potential MENA customers are already active on the Tabby platform. This leads to faster adoption and a smoother checkout experience overall.
About the partners
Tabby, headquartered in Riyadh, serves Saudi Arabia, the UAE, and Kuwait. Used by over 65,000 global brands—including Amazon, IKEA, and Samsung—the company was recently valued at $4.5billion following a secondary share sale.
Yuno, a global infrastructure platform that simplifies payments via a unified API. Connecting over 1,000 payment methods, Yuno supports major global brands such as Uber, McDonald’s, and GoFundMe.