Consider this: You’re perusing an online store, adding items to your basket, but when you go to the checkout page, the total cost makes you unsure. You wish you could pay later without incurring any additional interest or fees. The good news is that Buy Now Pay Later (BNPL) service app like tabby enable this.

Integrating BNPL into your online store or app might be a game changer for you as a business owner. Indeed, the worldwide BNPL market is expected to reach $450 billion by 2026! 

Customers like the convenience and flexibility that BNPL offers. Tabby is one app that is leading the way in this area. 

A fresh equity round of $50 million was raised for this app. The firm is currently worth $300 million. They offer the most innovative solutions on the market. 

So, if you want to use BNPL in your app or website, you need to understand the basics of Tabby. This allows you to give the greatest services to your consumers. Let’s look at how to make a shop now, pay later app like Tabby. 

How Does Tabby App Work?

With an app like Tabby, users can purchase even on a low budget. They must download the app and put their orders. If customers do not want to pay right away, they can use the “pay later” option on the checkout page. 

Tabby essentially acts as a financial intermediary between the vendor and the buyer. Customers may explore a wide range of e-commerce businesses and brands that accept Tabby Payments once within the Tabby app. 

Assume someone wants to buy a new laptop or speakers, but the price is prohibitively expensive. Tabby comes in handy here. Before making a purchase, users may easily determine whether the shop takes Tabby payments. If they do, fill out the form and choose the “pay later” option at the checkout. This converts the payment into an EMI or allows them to postpone it until the following month. 

Essential Elements of a Tabby-like Buy Now Pay Later App 

Building a mobile application similar to Tabby requires familiarity with all of its capabilities, from the most fundamental to the most advanced. The following features helped the application achieve unprecedented growth:

and Verification

One of the most important and basic components of any app is a safe and dependable registration procedure. Customers should have no trouble registering using their phone numbers, and when asked for verification, they should be able to finish the process by supplying their national identity number.

The app must take strong precautions to authenticate users and safeguard user data to ensure the safety and security of user information.

Advanced Payment

An advanced payment option is another feature you should think about including in an app like Tabby. Even before the due date, the app enables customers to pay their bills in installments. The incredibly user-friendly nature of the mobile app is largely due to this functionality. 

Automatic Deductions

The app’s whole potential has been unlocked by turning on automatic deduction, another crucial feature. Customers may use this feature to give the app permission to automatically debit expenses from the card they have chosen. 

Additionally, users may easily manage several cards and switch between them as needed. Customers are guaranteed a hassle-free and comfortable experience because of this feature’s adaptability.


A thirty percent increase in fraudulent e-commerce activity was noted. However, there was a 16% growth in e-commerce sales. These figures highlight how important it is to introduce security controls to e-commerce systems, particularly for safe transactions. 

The key to securing the mobile app against data loss and cyberattacks is to integrate robust and appealing security mechanisms. creating a secure and trustworthy purchase now-pay-later software by including security features like data encryption, two-factor authentication, and other laws. 

Guest Feature

Thanks to its incredibly intuitive and user-friendly features, Tabby gained a large following. One such feature is Guest. Customers may utilize the application without creating an account thanks to this functionality, and they can finish the signup procedure later on when making payments. 

Management of Accounts

Customers frequently forget their purchase history and related information. The platform has included a function that shows the customer’s account details, such as their: to address this issue, past purchases, Dates of payment, and any other pertinent information. 

Due to its extremely popular user interface, a lot of clients now choose this program over others.


Reminders are the next crucial component of a BNPL mobile app. Similar to push notifications are reminders. By giving consumers accurate information about upcoming deadlines and unpaid bills, helps them avoid overdrafts and make on-time payments. The feature sets help the app gain users’ confidence by displaying content correctly. 


According to research by Mozo, 30% of users of the BNPL app make several purchases from the platform to receive incentives and rebates. Thus, adding the cashback option is just one more component of a seamless customer experience. 

AI-based Virtual Assistance  

One of the most useful things to have in a Shop Now Pay Later software like Tabby is an AI-powered virtual assistant. With the use of machine learning and natural language processing technology, this virtual assistant would be able to understand client requests and questions and provide product recommendations or help consumers find the things they’re looking for fast.

How to Build an App Like Tabby? 

How To Build An App Like Tabby?

Step 1: Market Research 

Analyzing the market and your competition is one of the first things you should do when creating an app similar to Tabby. Before developing your Shop Now Pay Later app, it’s important to research the industry to see what other apps exist that are comparable to yours.  

It will give you a sense of the features that are already available and allow you to identify any gaps in the market that you can close. Here are some areas you ought to concentrate on:

View and read reviews of the most popular Shop Now Pay Later applications in app stores.

Analyze their pricing structures and find out whether there are any costs or interest rates.

Look through forums and social media to see what others are saying about the different applications.

Step 2: Choose the Right Technology Stack

Choosing the right technological stack is essential for an app to succeed. You will need to make the following decisions:

  • Language used in programming
  • Libraries or frameworks from third parties 
  • database in addition to other things. 

The selection of the appropriate mobile app tech stack influences several factors. Your choice of technology throughout development will have a significant impact on how stable and multi-OS compatible your software is. 

Its current performance and future growth prospects will be favorably impacted by any correct, quick, and rash decision to use just the best technological stack. 

Step 3: Choose a Trusted Mobile App Development Team 

Hiring a reliable iOS or Android app development company is another essential step in creating an app like Tabby. In recent years, there has been a significant increase in market competitiveness. Therefore, you need to work with mobile app developers who are knowledgeable about the newest trends and technology. The following are the items to search for: 

  • Evaluations from prior customers 
  • What level of expertise does the group possess?
  • number of completed projects 
  • Have they ever worked in your field? 

Step 4: Design the User Interface 

Are you aware of the two key elements contributing to the success of your app? User experience (UX) and user interface (UI) are what they are. To explain requirements, UX designers should collaborate with product managers and business analysts. In contrast, front-end programmers and UI designers should collaborate to make sure the design looks excellent when it’s put into practice. Because UI and UX are both crucial, you cannot disregard one over the other.  

Step 5: Develop the Back-end

The logic and operation of your mobile app are managed by the back end. It includes managing user accounts, performing transactions, and storing data. Thus, it’s essential to have a scalable back-end that can handle a large number of transactions and be secure enough to safeguard consumers’ sensitive data. Well, you won’t have to worry about your back end when you work with reputable companies to employ mobile app developers. 

Step 6: Develop the Front-end

Users interact with your app’s front end, therefore it has to be responsive and easy to use. This entails creating buttons, forms, and screens that are simple for consumers to browse and utilize to complete transactions. It’s critical to evaluate the many platforms your program will run on and ensure that it functions flawlessly on all of them.

Step 7: Incorporate Payment Gateways

Applications that use Shop Now Pay Later depend on payment gateways. To allow customers to complete payments using their preferred method, you must establish connections with well-known payment gateways such as PayPal or Stripe. This needs to attest to the fact that your software satisfies the security requirements set out by payment gateway providers.

Step 8: Test the App

It’s critical to properly test your app as soon as it’s constructed to ensure that it functions as intended. This includes performance testing to verify that the app can handle large transaction volumes as well as functional testing to ensure that all features function flawlessly. Finding and fixing issues is crucial before publishing your application.

Step 9: Launch the App

After the testing is complete, launch your app. Maintaining a marketing strategy is essential for attracting users and optimizing your mobile application for app store optimization (ASO), which increases the app’s exposure. In addition, you want to think about getting user input to improve the functioning and user experience of your app. 

Step 10: Monitor and Iterate

Once your app is online, monitor user input and make necessary changes to improve its operation. This includes updating the software to address issues, introducing new features in response to user input, and performance-enhancing it. In order to measure the usage of your app and pinpoint areas for development, you need also to keep an eye on its statistics.

How Much Does it Cost to Build an App Like Tabby? 

Cost to Build an App Like Tabby

The price of developing an app similar to Tabby might vary depending on a number of factors. The following are some things to think about and how they could affect the price:

Features and Functionality

Push alerts, user authentication, payment processing, and other features add to the app’s complexity.


The overall visual appeal, graphics, and logo design comprise the application’s user interface (UI) and user experience (UX).


The platform selection, including whether to use iOS, Android, or both, as well as whether the software is intended for tablets or smartphones.

Development Team

The quantity, degree of expertise, and hourly pay of the developers who worked on the app’s development.


The schedule for developing, testing, and releasing the application, including any necessary updates.

Third-Party Integrations

The incorporation of other tools like analytics programs and payment gateways.

These variables mean that developing an app similar to Tabby can cost anywhere from $50,000 to $200,000 or more, depending on the size of the project and the degree of customization needed. It’s critical to collaborate with a skilled development team that can offer a thorough estimate based on your unique needs and financial constraints.


Since smartphones are so common and can be integrated with digital technology, people who understand the benefits of online purchasing are more likely to favor it. E-commerce sales will continue to rise after surpassing the $5.2 trillion milestone recently. 

Thus, this is the ideal moment to launch a project to create a Buy Now Pay Later app similar to Tabby. For the same, you can work with one of the greatest Fintech app development companies in the industry, Appic Softwares. It will enable you to produce the greatest outcomes.  

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