How to Send a Payment Link or Tabby and Tamara Installments Inside a WhatsApp Chat
How to send a payment link or Tabby and Tamara installments on WhatsApp, how BNPL works for merchants, plus link, reminder and confirmation templates.
Confirm the order and amount in the chat, then create a payment link from your payment gateway dashboard or your Tabby or Tamara merchant dashboard, and send it to the customer or let the provider send it by SMS. The customer splits the amount into interest-free installments under the provider's terms, and you track the status and send the payment confirmation in the same chat.
01Why put the payment link inside the chat?
A customer who just said "OK, I'll take it" on WhatsApp is at peak excitement. If you tell them "go to the website, add it to your cart and check out", they may drop off along the way. A direct payment link for the right amount turns the whole journey into one tap.
Installments help with mid- and high-priced products such as furniture, electronics and luxury perfumes, because the customer sees the first payment rather than the full amount.
02How do installments work for the merchant?
Tabby and Tamara are "buy now, pay later" services: the customer splits the amount into installments, and the core plan is four interest-free payments, as both companies advertise. Tabby tells merchants they receive the full amount within days without carrying repayment risk, in return for a merchant fee that varies by agreement and business type.
| Item | Tabby | Tamara |
|---|---|---|
| Core plan | Split into 4 interest-free payments | Split into 4 interest-free payments |
| Supervision in Saudi Arabia | Licensed by the Saudi Central Bank (SAMA) | Supervised by the Saudi Central Bank (SAMA) |
| Operating markets | Saudi Arabia, the UAE and Kuwait | Saudi Arabia and the UAE, with a presence in Kuwait and Bahrain |
| Payment links | From the merchant dashboard or the Tabby Business app, delivered by SMS or email | Through an in-store (POS) API that sends the link by SMS |
| Merchant fees | As agreed with Tabby | As agreed with Tamara |
Sources: Tabby and Tamara merchant pages, the Tabby help center and Tamara developer documentation, September 2026. Terms and markets change; confirm with the provider before relying on them.
03Steps to send the link on WhatsApp
- Confirm the order: The product, quantity and total amount including shipping, in one clear message.
- Ask about payment method: A direct payment link, installments, or cash on delivery if you offer it.
- Create the link: From your payment gateway dashboard or your Tabby or Tamara merchant dashboard, with the amount and order number.
- Send it or point to it: If the provider sends the link by SMS, tell the customer: "Your payment link has just arrived by SMS."
- Track the status: Some links expire quickly, so don't leave them for days.
- Confirm payment: A confirmation message with the order number and delivery date, with the invoice attached.
Example: Tamara's in-store (POS) payment link expires after 15 minutes by default, according to its developer documentation, September 2026.
04Ready-to-copy templates
Never ask the customer for their card details or verification code in the chat. Payment happens only on the provider's secure page; make that clear to your customers to protect them from scammers.
05Manual or automated? The technical integration
Manual: a staff member creates the link in the provider's dashboard and copies it, or tells the customer to look out for it, then updates the deal stage in the CRM. This suits a small number of orders.
Automated: the link is created through the provider's API, and the payment notification arrives via webhook, so the order status updates and the confirmation is sent automatically. This requires a technical integration; ask the Modeer 360 team about connecting your payment gateway, or Tabby and Tamara, in your case.
06Common mistakes
- A link with no order summary: Customers hesitate when they can't see what they're paying for.
- Links from personal numbers: They open the door to scammers and weaken customer trust.
- Forgetting to follow up: A link left unpaid for an hour needs one friendly reminder.
- Inaccurate installment promises: Approval is the provider's decision, not yours, so don't guarantee it to the customer.
Key takeaways
- A payment link inside the chat shortens the path from "I'll take it" to payment.
- Tabby and Tamara split the amount into 4 interest-free payments for the customer, and the merchant pays a fee as agreed.
- Never ask for card details in the chat; payment happens only on the provider's page.
- Start manually, then move to an automated API and webhook integration as orders grow.
Frequently asked questions
Can I send a Tabby or Tamara link directly inside WhatsApp?
It depends on the provider's method: some links are sent to the customer by SMS or email, so you point them to it on WhatsApp. Check your merchant dashboard or the provider's documentation for the options available on your account.
What are Tabby and Tamara merchant fees?
Fees vary by agreement, sales volume and business type, and neither company publishes a fixed figure. Ask each provider for a direct quote.
Does Modeer 360 support payment links?
You can send any payment link inside the chat and track the deal in the CRM. For an automated integration with a specific payment gateway or installment provider, ask the Modeer 360 team.
Do I need an approved template to send a payment link?
If the customer messaged you in the last 24 hours, you send the link as a normal reply within the customer service window, charged at the utility rate from October 1, 2026. Once the window closes, you need an approved utility template, charged according to the customer's country and Meta's current pricing. Modeer 360 passes Meta's fees through at cost with no markup.
- #WhatsApp payment link
- #Installment payments for stores
- #Buy now, pay later
- #Payment links for merchants