Tamara

Tamara is a Buy Now, Pay Later (BNPL) payment method. This guide covers adding Tamara as a payment method through Payrails.

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Who Should Use This Guide
This guidance applies to merchants who:

Use Payrails as a payment orchestrator

Want to offer Tamara (Buy Now, Pay Later) as a payment method to their customers

Have an active Tamara merchant account with access to the Tamara Partner Portal

Note: Tamara is a Buy Now, Pay Later payment method, not a card scheme — no raw card processing is required. Tamara is available in supported markets in the region; confirm coverage for your market with your Tamara account manager.

Create and Configure a Tamara Integration in Payrails

Log in to the Payrails portal
Go to Settings → Integrations
Select Add instance to create a new Tamara integration configuration
Select the Workspaces where this integration should be available

About Workspaces: Workspaces determine where this integration is available. They let you isolate provider setups by region or business line, or share the same configuration across multiple Workspaces.

Step 1: Choose the Integration Type

Select Payment and continue to the next step

Step 2: Choose the Provider

Select Tamara and continue to the next step

Step 3: Configure Your Tamara Integration

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What You'll Need from Tamara
Before beginning, ensure you have:

Access to the Tamara Partner Portal

The API credentials issued by Tamara for your merchant account

Integration Instance Name

An integration instance is a specific payment provider setup in Payrails. Multiple instances can be created per provider based on region, currency, or business needs. Choose a clear, consistent name for routing purposes.

In Payrails:

Enter an Instance name for your integration

API Credentials

In Tamara:

Retrieve the API credentials issued for your merchant account from the Tamara Partner Portal

In Payrails:

Enter the credentials into the corresponding fields

Webhooks (Notifications)

Note: Payrails uses Tamara webhooks to receive asynchronous payment status updates.
Warning: Register the webhook in the same environment (test or live) as your Payrails integration.

In Tamara:

Log in to the Tamara Partner Portal
Go to Settings → General Settings → Webhooks, then select Add webhooks

Enter the following, then select Create Webhook:
- Type: select Order
- Events: select the status changes you want to be notified about — the Approved event is mandatory
- URL: enter the Notification URL from Payrails (use HTTPS; maximum 255 characters)
- (Optional) Add any headers your endpoint requires

The webhook is added successfully. Payloads are sent via HTTP POST to your registered notification URL.

Payment Methods

In Payrails:

Select Tamara to enable it as a payment method for this integration

Note — capture mode: Tamara supports manual capture only. Build your payment workflow with manual capture mode. If you prefer captures to happen automatically, you can enable auto-capture at the account level in Tamara.

Enable the Integration

In Payrails:

Select Save account to enable the integration

The Enabled status indicates that the Tamara integration is active. Your Tamara integration is now ready to process payments.

Next Steps

Run a test payment using Tamara's test flow
Verify that:
- The payment appears in the Tamara Partner Portal
- The payment status updates correctly in Payrails
Once verified in test mode, repeat the setup in live mode