What is Tamara?
Tamara is a deferred payment service that charges no fees to customers.
You can purchase any product from Tamara’s partners and pay in 2, 3, or 4 monthly installments—interest-free and without fees—with the first payment due at the time of purchase.
Why was the payment declined?
If your payment was declined, it could be due to the following reasons:
- Insufficient funds on your card.
- You are using a prepaid card.
- Your card does not support online purchases or the feature has not been activated.
- Your card may have been temporarily suspended by the issuing bank.
You can try one of the following solutions:
Please contact your bank or use a different card for payment.
For more information, you can contact the customer service center daily at the following number:
Saudi Arabia: 8001240441 (from 9:00 AM to 5:00 PM).
For further assistance, please visit the support page here.
What is Madfu?
Madfu is a secure and easy-to-use "Buy Now, Pay Later" service. It offers the option to split the cost of bills or purchases into up to six installments, with no interest or fees.
Where is the Madfu app available?
You can use Madfu in the Kingdom of Saudi Arabia at any of the participating stores listed within the app.
Which stores participate with Madfu?
The list of participating stores is constantly growing; we recommend downloading the app to view the latest list.
Is the Madfu service licensed?
Yes, Madfu (Buy Now, Pay Later) is licensed by the Saudi Central Bank (SAMA).
Is the Madfu app Sharia-compliant?
All services provided by Madfu are reviewed by a specialized Sharia committee to ensure compliance with Islamic Sharia principles, with no interest or fees involved.
How can I contact the Madfu team?
We are happy to assist you. You can reach us via live chat, email at [email protected], or by calling our unified number: 8001111316.
Enjoy flexible shopping with MIS Pay.
Our partnership with MIS Pay allows you to shop with financial flexibility—free from administrative fees, late fees, or interest. MIS Pay gives you the power to buy now and split the cost of your purchases into monthly installments, with no late fees.
How to enjoy MIS Pay?
Getting started is easy: simply download the app from the Apple App Store or Google Play Store, sign up in under two minutes, and you’re ready to shop freely.
Manage your purchases with ease: view all your purchases in one list and stay updated on your remaining balance, with the flexibility to pay at the end of the month or earlier.
Stay informed effortlessly: keep track of upcoming payments and your remaining spending limit while exploring great deals.
How do I use MIS Pay?
Browse and find what you need at MIS Pay partner stores.
Select MIS Pay as your payment method at your favorite stores.
Log in or sign up using your mobile number to verify your account.
Complete your purchase and pay the first installment; the remaining balance will automatically be split into monthly installments.
Track your purchases and pay your first installment.
Pay the remaining installments at the end of each month.
Terms and Conditions:
To use MIS Pay, the transaction amount must be between a minimum of 200 and a maximum of 3,500. Fan Market shall not be held liable for any obligations or claims of any kind incurred by the customer in connection with their account or payments made via the MIS Pay application. For technical issues regarding the MIS Pay application or website, please contact the MIS Pay customer service team.
The MIS Pay payment option cannot be combined with any other payment method; if MIS Pay is selected, the full invoice amount must be paid exclusively using MIS Pay.
The invoice amount may be split into three unequal installments based on the customer's credit history and credit assessment. You may contact MIS Pay for further information.
To complete a purchase using MIS Pay, the customer must use the mobile number registered with Absher.
The customer is required to settle all outstanding payments due to MIS Pay.
Frequently Asked Questions:
Is MIS Pay free?
Absolutely! It is free, with no additional fees or interest added to the total amount. Simply download the app and start a new shopping experience with financial freedom today.
What is my available spending limit?
To protect you from overspending, a purchase limit is set for each customer based on two factors:
• A purchase limit set by the store.
• Your personal spending limit. - You will have a personal spending limit when using the MIS Pay app, along with an additional spending limit based on your purchase history with MIS Pay.
- Your profile is determined by factors such as the duration of your app usage and your track record of timely bill payments.
- A strong track record allows you to make multiple large purchases.
- For these reasons, we cannot provide a fixed purchase limit; instead, the limit is dynamically calculated by a system that assesses various factors on an individual basis.
Will my credit history be checked via SIMAH?
- Yes. We use SIMAH for an initial credit check. We review your credit standing to provide you with an appropriate spending limit and to protect you from overspending.
How do I cancel my order?
To cancel your order, follow these steps:
1 - Contact the store.
- Contact the store directly to cancel your order and follow their cancellation policy. As the payment service provider, we cannot cancel the order for you.
2 - Wait for store confirmation.
- We will cancel your payment and issue a refund for any amount paid once the store confirms the cancellation.
3 - Check for updates in the MIS Pay app.
- You can check your order status at any time via the "Purchases" section in the MIS Pay app.
4 - Receive the refund.
- Refund processing times vary and may take up to 14 days, depending on your financial institution. If 14 days have passed since the store confirmed your cancellation and you still haven't received your refund, please contact our customer service team with your cancellation confirmation ready.
Why can I no longer pay using MIS Pay?
You may find that not all MIS Pay payment options are available, or that they are unavailable to you when attempting another purchase via the app.
Various factors—such as missed or late payments, or reports of financial hardship—can prevent you from using MIS Pay again.
We understand it can be frustrating to have a purchase declined after previously being approved. However, our approval process helps MIS Pay provide services to our customers responsibly.
Discovered a transaction I didn't make?
If you receive an email or see a charge associated with MIS Pay that you do not recognize, please report the unauthorized charge to us.
Before reporting an unauthorized charge, please check the following:
• You are the only person in your household who has used your account to shop and make purchases.
• You did not inadvertently select MIS Pay at checkout on the store's website.
• You did not receive an order confirmation or email from MIS Pay on or around the date of the purchase.
• It is not a charge for a previous order that was billed separately.
• It is not a pending transaction.
If you still do not recognize the MIS Pay purchase and believe you may be a victim of identity theft, please report it to us directly by contacting our customer service team. Couldn't find the answer you're looking for?
Feel free to contact the MIS Pay team.
Leading the way in fintech by delivering customer-centric solutions.
Emkan offers innovative digital financial solutions tailored to all segments of society, meeting a wide range of customer financial needs.
Subject to the supervision and regulation of the Saudi Central Bank (SAMA).
Core Values
Customer First:
We create an experience that simplifies your financing needs, accessible anytime, anywhere.
Trust:
We build a secure bridge to support you on your journey, whatever the challenge.
Flexibility:
We provide financing without requiring salary transfer—offering minimal requirements and instant approval for customers of all banks.
Care:
We craft digital financial solutions that ensure a stable and secure financial quality of life.
Innovation:
We constantly evolve, pursuing innovative ideas to deliver new financing products.
Emkan’s Vision
To be a leading provider of innovative, customer-centric financing solutions that maximize shareholder value through market leadership and by capitalizing on global opportunities.
Emkan’s Values
Creating an engaging work environment.
Operational efficiency.
Customer focus.
Digital leadership.
Business growth.
