Connect Tamara to Qoyod and automate your payment settlement
Every BNPL purchase through Tamara turns automatically into an accounting entry in Qoyod, with receivables, fees, and bank reconciliation.
Automatic sales entry
Every Tamara-paid order → an automatic invoice and receivables entry.
ZATCA-compliant
Every invoice is ready for Phase 2 e-invoicing.
Fees calculated
Tamara’s commission is recorded automatically as a separate expense in Qoyod.
Daily reconciliation
Tamara transfers to the bank are settled automatically against the receivables.
What the integration does
From BNPL payment to accounting entry
Four events flow automatically from Tamara to Qoyod, with no manual work.
Create a fully detailed invoice
The order data, total amount, and customer flow from Tamara to Qoyod as a complete, audit-ready invoice.
Record receivables from Tamara
The amount is recorded as a receivable on Tamara (the intermediary) until the bank transfer arrives, just like accounting handles card payments.
Receivables settled via bank transfer
When Tamara’s transfer reaches the bank, it’s settled automatically against the related receivables, with the commission booked as an expense.
Automatic credit note on return
If the customer cancels or returns, a credit note is created in Qoyod and the receivables entry is adjusted automatically.
Setup
3 steps to activate the native integration
A native integration via direct API between Tamara and Qoyod — no middleware, no code.
Activate the integration from Qoyod
In Qoyod settings, choose Integrations → Tamara and click Activate.
Enter your Tamara credentials
Add the API key from your Tamara merchant account in Qoyod.
Pick the posting accounts
Map the receivables, bank, and commission accounts so entries post automatically.
Why it matters
Accurate books for BNPL payments
As Tamara orders grow in the Saudi market, tracking payments and commissions by hand turns into a nightmare. The native integration solves it.
Manual tracking and chaos
Untracked commissions, unreconciled receivables, and monthly gaps between Tamara and the bank that eat time.
5-minute setup
One API key, pick three accounting accounts, and full sync runs.
Real-time, accurate reconciliation
Every bank transfer ties automatically to the receivables, the commission is booked as an expense, and month-end close becomes a one-click job.
Have some questions?
Quick answers to what business owners ask before activating.
Is the integration via Zapier or native?
Native, via API. No Zapier or third party — Qoyod and Tamara are linked natively with real-time data flow.
How is Tamara’s commission recorded?
Recorded as a separate expense in the Payment Gateway Fees account in Qoyod, enabling precise tracking in the profitability report.
Does it support ZATCA?
Yes. Every invoice created in Qoyod complies with Phase 2 e-invoicing requirements.
What about returns?
When an order is canceled or returned on Tamara, an automatic credit note is created in Qoyod and receivables and inventory are adjusted.
Do I need a specific plan on Tamara?
No. The integration is available on every Tamara merchant account, regardless of plan.
Ready to end the receivables chaos?
Open a free Qoyod account and connect Tamara in 5 minutes — every BNPL payment lands in your books correctly from the first try.