Taly is Kuwait’s own buy now pay later service: licensed by the Central Bank of Kuwait, Sharia compliant, and partnered with stc and KFH. Putting it in your checkout lets a customer pay in instalments while Taly pays you and handles the collection. The integration takes 5 to 13 hours at 10 KWD per hour.
The problem it solves
Some of your lost sales have nothing to do with your website. The customer wanted the item and could not justify the full amount this month. That is a pricing objection, and instalments are the only thing on a checkout page that answers it.
There is a second reason Kuwaiti merchants ask specifically for Taly. A good share of customers will not use a payment product unless it is structured to be Sharia compliant, and many prefer a locally licensed name they have seen through stc or KFH over a regional brand. Offering the option you know your customers will accept is worth more than offering the option with the biggest logo.
The commercial mechanics are the same as any instalment provider: the shopper pays over time, you are paid by Taly, and Taly charges you a merchant fee for carrying the risk and the collection. Because that fee is a percentage of the order, the arithmetic favours higher basket values. On a 12 KWD order it is a cost. On a 400 KWD sofa it is the reason the sofa sold.
What you get
- Taly presented at checkout next to KNET and cards, in a position customers actually see on a phone.
- Instalment messaging on product and cart pages in Arabic and English, written properly rather than translated word for word.
- Automatic order status updates on approval and refusal, so your staff never cancel an order that was paid.
- Display rules: a minimum basket value, or specific categories and products.
- Refunds and partial refunds from your own admin, passed back to Taly so the customer’s remaining instalments are corrected.
- A daily reconciliation report matching Taly’s grouped, net of fee payouts to individual orders.
- A complete test pass before launch: approved, refused, abandoned, refunded.
How we work
- Free first hour. An engineer reviews your checkout, your average basket and your customer mix, and tells you whether Taly, another provider, or none of them is worth the fee.
- Merchant application. Taly approves merchants on its own terms. We give you the exact document list so the application is not returned, then start building while the review runs.
- Test environment. We connect your store to the test setup and run every path, including the refused application that most integrations forget.
- Checkout and product pages. Placement, display rules, Arabic and English wording, and a mobile layout that keeps the pay button on screen.
- Refunds and reporting. One refund screen for your staff, one daily report for your accountant.
- Go live and monitor. Live switch, a real purchase, then a week of watching real orders and fixing what live traffic exposes.
Cost and timeline
| Part of the work | Hours | Cost at 10 KWD/hour |
|---|---|---|
| Account setup support and test access | 1 | 10 KWD |
| Checkout placement and payment flow | 3 | 30 KWD |
| Order status updates and failure handling | 2 | 20 KWD |
| Instalment messaging, Arabic and English | 1 | 10 KWD |
| Refunds and reconciliation report | 2 | 20 KWD |
| Live testing and launch | 1 | 10 KWD |
| Typical total | 5 to 13 | 50 to 130 KWD |
A store on a standard platform lands near the low end. A custom checkout, a mobile app, or a store that needs its order and stock handling adjusted lands near the top. For a whole project rather than one integration, try the cost calculator.
Where it sits next to KNET and cards
Instalments come after your main methods, never instead of them. Keep KNET first, keep cards through a gateway such as MyFatoorah for visitors from outside Kuwait, then show Taly where the basket justifies it. Our payment gateway integration practice covers the checkout end to end, and the MyFatoorah, KNET and Tap comparison sets out what each route costs per transaction.
Comparing instalment providers rather than gateways? The sibling pages for Deema and Tabby cover the same ground for those two.
Pitfalls to avoid
- Treating approval as a formality. Taly decides which merchants it onboards and on what terms. Do not book a launch campaign before you have it.
- Showing instalments on low value items. It clutters the page and devalues the brand.
- Leaving the declined path broken. A refused shopper must land back in a working cart with KNET available.
- Skipping the refund test. If a refund does not reach Taly, the customer keeps paying for goods they returned, and you get the phone call.
- English wording in an Arabic checkout. Customers read it as an untrusted bolt-on and skip it.
- Adding every provider at once. Two instalment options is already the practical limit before the checkout becomes a list of logos.
Bring us your current checkout in a free consultation and we will tell you what the work involves before you spend anything.