We accept Visa, MasterCard, PayPal, Apple Pay, Tabby and Pointspay.

Dubai Audio uses Secure Socket Layer (SSL) technology to encrypt and protect the data you send us over the internet. If SSL is enabled, you will see a padlock at the top of your browser and you can click on this to find out more information about the SSL digital certificate registration. You will also notice that when you look at the URL at the top of the browser you will see that it begins with ‘HTTPS’ instead of ‘HTTP’. This means that you are in a secure mode. Dubai Audio also uses 3-D Secure protocol as an additional layer of security for online debit and credit card transactions.

WHAT IS TABBY? 

Tabby is a payments platform that provides customers with a Buy Now Pay Later (BNPL) service, credit card installments service and/or a Cashback service. With Tabby, you can split the total purchase amount into 4 interest-free monthly payments for purchases made online or in-store.

 HOW DO I USE TABBY?

 Choose your desired products and proceed for payment. At the checkout page, you will see Tabby as an option for payment, along with the standard methods like CREDIT/DEBIT CARD, APPLE PAY etc. You will be directed to the Tabby website to register and provide payment details. If you’re an existing user of Tabby, simply verify your account and complete your order. Please note, all items in your shopping bag must be eligible for Tabby, and the bag value can go up to AED 10,000. 

HOW DOES THE TABBY PAYMENT SCHEDULE WORK?

 Dubai Audio offers the following payment option for Tabby: - 4 interest free payments on debit/credit cards: This is a 3-month installment option which is split into 4 payments. The first payment is a 50% down payment deducted at the time of check-out and the remaining 3 payments are split equally over the next 3 months. With this option the customers can use any debit/credit card and no amount is blocked on their card. The maximum transaction limit for this option is AED 10,000 

WHAT PRODUCTS ARE ELIGIBLE FOR TABBY? 

Products up to the price of AED 10,000. All eligible products will have a Tabby indicator on the product page. 

AM I ELIGIBLE TO USE TABBY? 

Your eligibility to use Tabby’s payment services depend on various factors such as: 1. you are living in the UAE and have a permanent residential address 2. you are 18 years of age or older 3. you have an active email account registered in your name 4. you have an active mobile phone number registered in your name 5. you have provided all your information and documentation requested by Tabby during signup 6. your credit-worthiness and history of transactions 7. you declare that any payment obligations arising from your purchase will be met by you pursuant to the payment terms agreed at the time of purchase. For more information please refer to Tabby’s Terms & Conditions. 

IS THERE A LIMIT TO HOW MUCH I CAN SPEND ON A SINGLE TABBY TRANSACTION? 

Yes, the limit will depend upon the Tabby payment options you choose at the time of checkout. For interest free payments on credit/ debit cards, the limit is AED 10,000. CAN I PAY OFF MY FIRST FOUND OF INSTALLMENTS IMMEDIATELY? Yes, you can manage all of your payments through your Tabby account page. 

TABBY ORDER CONFIRMATION & CANCELLATION 

Tabby does not approve every order made using its payment options. They may, in their sole discretion, not provide the installment feature to you, or cancel an approved order before the goods or services are delivered or supplied. Some of the ways to increase the chances of getting approved are: 1. Make sure you have only one Tabby account created 2. A good payment history with Tabby 3. Paying off any negative balances on unpaid purchases 4.Ensuring that the cart amount is not too high

 HOW DO I RETURN OR EXCHANGE AN ITEM PURCHASED WITH TABBY? 

If you would like to return your goods for any reason, kindly contact Dubai Audio for assistance. Until we confirm the return of the goods, or the relevant refund or part refund, you will remain liable for the full payment of the goods. During this time, Tabby may continue to process any installment payments in accordance with the dates set out in your Payment Schedule. If Dubai Audio offers you the refund in the form of a credit at the store, Tabby will continue to bill you for upcoming payments. 

ORDER VERIFICATION 

Orders may be subject to payment verification. For the protection of our customers, we want to ensure that every order we ship out is authorized by the cardholder. If your order is placed on hold, we will reach out to you immediately to ensure that any delays are minimal. Dubai Audio reserves the right to report any fraudulent purchase activity detected on its servers.

Last updated on 22 May 2024.

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WHAT IS TAMARA?

Tamara is a hassle-free, interest-free payment solution that has your best interests in mind!

Tamara is the leading shopping and payments platform in the GCC region, with a mission to empower people in their daily lives and revolutionize how they shop, pay, and bank.

Tamara currently operates in Saudi Arabia 🇸🇦, the United Arab Emirates 🇦🇪, and Kuwait 🇰🇼.

With Tamara, customers can enjoy flexible, transparent payment solutions with no hidden fees or interest added to their total cart value.

HOW DOES IT WORK?

Shop your favorite store, select your preferred  Tamara payment plan, and split in up to 4 payments at checkout! You’ll pay a fraction of the cost now, and the rest over time according to your payment plan – no hidden fees or interest added to your total.

WHAT TAMARA OFFERS?

The current offerings include:

The Tamara Bundle
This bundle includes our Pay in Full product, as well as our Split in 2, 3 and 4 payment product.
Pay in Full
Customers can pay the total value of their order in one go using Tamara, no hidden fees or interest added to their total cart value!
Split in X
Customers can shop and split their payments over time – no hidden fees or interest added to their total cart value!
Online and in-store solutions
Customers can shop either online or in-store and easily pay using Tamara’s payment solutions.

IS TAMARA SHARIA COMPLIANT?

Our products have been certified as Sharia-compliant by the Shariah Review Bureau.

Sharia certification

Following the review and approval of Tamara’s products as compliant with the AAOIFI Shari’a Standards, the Shariyah Review Bureau has issued Shari’a Certificate no. TRA-1904-01-01-03-21 to Tamara.

About the Shariyah Review Bureau

The Shariyah Review Bureau (SRB) is the Corporate World’s leading Shari’a Advisor with a scholarly presence in more than 21 countries from the US, Europe, Africa, GCC, and Asia. The breadth of geographical reach crossing national boundaries makes it one of few Shari’a consultancy bodies that can meet clients’ true international business requirements.

SRB provides professional Shari’a Advisory and Shari’a Audit services to public and private businesses, including commercial and corporate debt, Sukuks and Islamic equity markets, initial public offerings screening & Investment Banking Practice, energy firms, and information providers. It serves multiple financial industry sectors with clients from Hong Kong, the US, the UK, Canada, France, Switzerland, and the GCC. In Saudi Arabia alone it holds the market share of more than 25% of Saudi investment companies licensed by the CMA and 53% of the co-operative insurance firms listed on the stock exchange market and 28% of the financing companies licensed by SAMA. Its service offerings span a broad set of complementary disciplines that include product certification, consultation, Shari’a Audit, and equity screening.

To learn more about SRB visit: www.shariyah.com

DOES TAMARA HAVE ANY HIDDEN FEES?

At Tamara, we believe in keeping things simple and straightforward. When you choose to pay with Tamara, there are no additional fees or surprises waiting for you. We believe in being upfront and honest – what you see is exactly what you'll pay!

However, it's essential to note that while we're fee-free, some stores may have their own fees for payment plans that are unrelated to Tamara.

HOW MANY PAYMENT OPTIONS DOES TAMARA OFFER?

With Tamara’s hassle-free, convenient payment solutions, making smart financial decisions has never been easier!

Using Tamara, you can split your order total in up to 6 payments depending on the store you’re shopping at as well as your shopping history with Tamara. You can also make your full payment with Pay in Full, a payment solution that gives you the chance to make payments securely and safely, all while collecting cashback and enjoying buyer protection benefits.

Tamara’s payment solutions are fully Sharia compliant – we charge no late fees and no interest.

IS USING TAMARA SAFE?

Tamara uses the highest security standards to protect your sensitive information:

• All payment information is processed securely.
• No financial details are shared with the stores.
• All transactions take place via secured connections following strict security protocols.
• If you have no pending due payments, you can change your payment card at any time.
• In most cases, a passcode and your biometric details are required to log in and access your account information.

WHAT’S REQUIRED FOR ME TO PAY WITH TAMARA?

You’ll need to be over 18 years old with a valid, verifiable mobile number, a valid ID, and a valid payment card in Saudi Arabia, the United Arab Emirates or Kuwait.*

HOW DO I USE THE CREDIT IN MY TAMARA WALLET?

Tamara credit can only be used when placing a new Tamara order. Your Tamara wallet credit will automatically appear to you on the Tamara payment page, right before you complete checking out with Tamara.

BEEN CHARGED A PAYMENT FOR AN ORDER YOU DIDN’T PLACE?

Please report any unauthorized charge to us via the app or Help Center after double-checking the points below:

• Has anyone else in your household used your Tamara account to shop?
• Have you accidentally selected Tamara as a payment method for one of your orders without noticing?
• Have you previously received an order confirmation message or email from Tamara for an order you did not place?
• Are you being charged for a previous order you placed with Tamara?
• Has a payment that was previously on hold for an order you placed just been authorized?

HOW TO PAY IN FULL CASHBACK

Select Pay in Full as your payment method at checkout.
Verify your phone number.
Press Continue

For further details and clarity, please refer to the Pay in Full Cashback Terms & Conditions:

• The cashback campaign is available to residents of KSA and UAE who are 18 years old or older.
• Only transactions made at stores offering Pay in Full are eligible for cashback.
• The duration of the cashback campaign will be specified by Tamara.
• Tamara reserves the right to modify or cancel the campaign at any time without prior notice.
• Cashback rewards are credited exclusively to the Tamara wallet within 7 business days of placing the Pay in Full order.
• The max cashback a customer can collect across all Pay in Full cashback campaigns/orders is SAR/AED 150 per month.
• Orders that are fully canceled, fully refunded, or partially refunded are not eligible for cashback.
• Cashbacks are subject to expiry as specified.
• Tamara will communicate campaign details and updates through email, social media, and website announcements. It is the responsibility of customers to stay informed about the campaign through these channels.
• Tamara reserves the right to disqualify any participant who engages in fraudulent activity or tampers with the campaign mechanics. Any attempt to manipulate or falsify information to participate in the campaign may result in legal action against the participant.
• The terms and conditions of the campaign will be governed by the laws of the country where the campaign is being offered.

WHY WAS I AUTO-CHARGED FOR MY PAYMENT

Your due Tamara payments are automatically auto-charged to your account to help you maintain a good credit history and SIMAH record.
Auto-charging ensures you don’t ever need to worry about missing your payment due dates.

For more information on our auto-charge policies, please refer to our Tamara’s Terms and Conditions.

Want to better understand how your payment plan works? Head over to the Tamara app and follow the steps below:

• Go to My Purchases
• Go to My Payments
• You’ll now be able to view your payment plan, payment due dates, and more.

CAN I POSTPONE A PENDING DUE PAYMENT?

The due dates in your payment plan are set on the same day a month after you made your initial payment. They cannot be changed.

Unable to make your next payment?

Don’t worry – you can still reach out to us before the due date and before making the payment.

WHAT HAPPENS IF I MISS THE DUE DATE?

For KSA:

If your payments are consistently late, your SIMAH scores will be negatively impacted.
Also, late payments may impact your eligibility for loans with other financial institutions, and it also restricts your access to Tamara's services.

For more information, please refer to the link below: Information Exchange with SIMAH

For UAE and Kuwait:

If your payments are consistently late, your credit scores will be negatively impacted
Also, late payments may impact your eligibility for loans with other financial institutions, and it also restricts your access to Tamara's services.

CAN I CHANGE WHEN MY PAYMENTS ARE DUE?

The due dates in your payment plan are predetermined and cannot be changed.

CAN I CHANGE MY PAYMENT PLAN?

Payment plans are automatically determined by our system, taking into consideration multiple factors such as the total price of the ordered item and the store’s agreement with Tamara.

Currently, payment plans cannot be adjusted or changed.

WHY CAN’T I SEE TAMARA AT CHECKOUT?

Tamara may not appear to you as a payment method for multiple reasons, including the following:

• The store has chosen to offer Tamara's payment solutions only to selected customers.
• The store has chosen to offer Tamara’s services on select products,  or within a certain price range.
• The store’s website is under maintenance.

HOW DO I MAKE A PAYMENT?

To pay with Tamara, simply log in to your Tamara account via the Tamara app or website and navigate to the Payments tab (located in the My Purchases on the app).

There, you will find:

• All of your orders
• Your payment details, including your due payment amounts.
• The remaining days you have to make your payments.
• Your payment options.

REFUND

Refunds for purchases made using Tamara at checkout will only be issued as store credit. Returns and refunds requested after 14 days will be subject to a fee.

Last updated on 29 May 2024.

View Latest FAQ's

Refunds for purchases made using Tamara or Tabby at checkout will only be issued as store credit. Returns and refunds requested after 14 days will be subject to a fee.

Orders may be subject to payment verification. For the protection of our customers, we want to ensure that every order we ship out is authorized by the cardholder. If your order is placed on hold, we will reach out to you immediately to ensure that any delays are minimal. Dubai Audio reserves the right to report any fraudulent purchase activity detected on its servers.