The UAE payments landscape
Buy-now-pay-later providers such as Tabby and Tamara are now standard at UAE checkouts. At the same time, the Central Bank of the UAE is rolling out an open finance framework that will let regulated apps connect to bank accounts directly.
What a BNPL integration includes
Most of the work happens after the customer clicks pay.
✓Checkout session creation and redirect or embedded widget
✓Webhooks for authorised, captured, and cancelled payments
✓Partial and full refunds that sync back to the provider
✓Settlement reports reconciled against orders
✓Order-status sync with your ERP or OMS
Where projects go wrong
Teams ship checkout, then discover refunds and reconciliation are manual. Finance ends up matching settlements to orders in spreadsheets every week.
TIP
Scope refunds and settlement reconciliation in the first sprint, not after launch.
Planning for open finance
Design your payment layer so new methods plug in without rewriting checkout. That keeps you ready as open finance services launch.