Tabby 分期与卡片数据 API

Tabby FZ LLC · 信贷

Tabby: Send, spend and save 是迪拜 Tabby FZ LLC 面向海湾合作委员会市场的消费金融应用。用户把商户消费拆成免息分期、用 Tabby 卡刷卡、通过 Tabby Advance 把现金贷打进银行账户、缴水电费、向已保存收款人汇款，并持有带本地 IBAN 的借记账户。Android 客户端是阿联酋与沙特已登录用户使用这些产品的入口，与 Tamara 及银行发卡争夺同一批先买后付购物者。

每笔分期购的 remaining 与账单上的 amount_to_pay、due_date 和可选 min_payment 放在一起；卡片记录给出 limit 对照 remaining，借记账户返回带 balance 的 iban。汇款报价含 send_amount、receive_amount 与 rate；返现提现把 real_balance 对照 virtual_balance。

财务团队用月结单核对商户分期，发卡合作方盯额度占用，汇款柜台在打款前比较报价。openData Studio 把这些记录变成可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

发送登录验证码
POST /v1/signin/otp/dispatch osint
用 SendCodeRequest.phone 与 language 向手机发 OTP，随后把 confirmation_code 提交到登录。
认证方式：无需令牌的 JSON 请求体。后续调用在 POST /v1/signin/verify 之后携带 AuthResponseDto 的 Authorization: Bearer access_token。
- phone
- language
```
POST /v1/signin/otp/dispatch HTTP/1.1
Content-Type: application/json

{
  "phone": "+971501234567",
  "language": "en"
}
```
```
{
  "status": "ok"
}
```
密码或验证码登录
POST /v1/signin/verify osint
用 LoginRequest 的 phone 与 confirmation_code（或 password）换取 AuthResponseDto 的 access_token 与 refresh_token，作为客户路由的 Bearer。
认证方式：请求体提交 phone 与 confirmation_code（或 password）。响应 AuthResponseDto 的 access_token / refresh_token 作为后续客户调用的 Authorization: Bearer。
- phone
- confirmation_code
- lang
- device_info
- success_otp_token
- password
- access_token
- refresh_token
```
POST /v1/signin/verify HTTP/1.1
Content-Type: application/json

{
  "phone": "+971501234567",
  "confirmation_code": "123456",
  "lang": "en",
  "device_info": {
    "platform": "android"
  },
  "success_otp_token": "otp_tok_8f21",
  "password": null
}
```
```
{
  "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
  "refresh_token": "rt_9c10aa11"
}
```
刷新访问令牌
POST /v1/signin/refresh osint
续期会话：提交 RefreshTokenRequest.token，返回 AuthResponseDto 的 access_token 与 refresh_token。
认证方式：请求体 RefreshTokenRequest.token（AuthResponseDto 的 refresh_token）。返回新的 access_token / refresh_token。
- token
- access_token
- refresh_token
```
POST /v1/signin/refresh HTTP/1.1
Content-Type: application/json

{
  "token": "rt_9c10aa11"
}
```
```
{
  "access_token": "eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
  "refresh_token": "rt_bb22cc33"
}
```

列出先买后付账单

GET /v1/statements openfinance

分页返回先买后付月结单：StatementDTO 的 amount_to_pay 对照 amount_paid、due_date，以及可选 MinPaymentDTO 的 to_pay、late_fees 与 currency。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

id
start_date
end_date
due_date
amount_to_pay
amount_paid
amount_total
amount_to_pay_without_fee
min_payment
min_payment_available
to_pay
late_fees
status
currency
type
subscription_active

GET /v1/statements HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "items": [
    {
      "id": "st_441",
      "start_date": "2026-09-01",
      "end_date": "2026-09-30",
      "due_date": "2026-10-14",
      "amount_to_pay": "420.00",
      "amount_paid": "80.00",
      "amount_total": "500.00",
      "amount_to_pay_without_fee": "400.00",
      "amount_paid_without_fee": "80.00",
      "transfered_amount": "0.00",
      "min_payment": {
        "min_payment_available": true,
        "to_pay": "50.00",
        "paid": "0.00",
        "available_till": "2026-10-14",
        "available_from": "2026-10-01",
        "transfer_fee": "0.00",
        "to_next_statement_amount": "370.00"
      },
      "late_fees": "0.00",
      "rolling_split_service_fee": "0.00",
      "subscription_active": true,
      "status": "due",
      "currency": "AED",
      "type": "monthly",
      "subscription": {
        "id": "sub_plus"
      }
    }
  ]
}

分期购贷款明细

GET /v1/purchases/{purchase_id} openfinance

加载一笔先买后付订单：PurchaseDTO 的 status、商户 name、订单 billed_amount，以及 PurchaseLoanDTO 的 remaining 对照 paid 和 installments。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

id
status
displayed_status
currency
can_be_paid
in_statement
merchant
name
logo
order
amount
billed_amount
refunded_amount
loan
paid
remaining
installments
order_amount
total_service_fee

GET /v1/purchases/pur_882144 HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "id": "pur_882144",
  "status": "to_pay",
  "displayed_status": "Due",
  "currency": "AED",
  "paid_date": null,
  "can_be_paid": true,
  "disputes_enabled": true,
  "in_statement": true,
  "merchant": {
    "id": "m_noon",
    "url": "https://noon.com",
    "name": "noon",
    "logo": "https://img.example.com/merchants/noon.png"
  },
  "order": {
    "id": "ord_991",
    "number": "N-441",
    "amount": "400.00",
    "billed_amount": "400.00",
    "refunded_amount": "0.00",
    "discount": "0.00",
    "tax_amount": "19.05",
    "shipping_amount": "0.00",
    "created_at": "2026-09-12T14:22:01Z",
    "currency": "AED",
    "status": "captured"
  },
  "loan": {
    "paid": "100.00",
    "remaining": "300.00",
    "refunded": false,
    "refunded_amount": "0.00",
    "order_amount": "400.00",
    "actual_order_amount": "400.00",
    "total_service_fee": "0.00",
    "service_fee": "0.00",
    "post_split": false,
    "statement_split": true,
    "has_contract": true,
    "installments": [
      {
        "amount": "100.00",
        "due_date": "2026-10-12",
        "status": "paid"
      }
    ]
  }
}

Tabby Advance 贷款报价

GET /v1/cash-loans/offers openfinance

给出 Tabby Advance 现金贷选项：LoanOfferDTO 的 principal、amount_to_pay、repayment_fee，以及 RegularPaymentDTO 与 payment_schedule。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

is_default
principal
amount_to_pay
repayment_fee
regular_payment
payment_schedule

GET /v1/cash-loans/offers HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "offers": [
    {
      "is_default": true,
      "principal": "2000.00",
      "amount_to_pay": "2200.00",
      "repayment_fee": "200.00",
      "regular_payment": {
        "principal": "500.00",
        "repayment_fee": "50.00",
        "amount_to_pay": "550.00"
      },
      "payment_schedule": [
        {
          "amount_to_pay": "550.00",
          "due_date": "2026-11-14"
        }
      ]
    }
  ]
}

提交 Advance 申请

POST /v1/cash-loans/applications openfinance

创建 Tabby Advance 申请，返回 ApplicationDTO 的 id、status、expiry_date、放款账户 masked_iban 以及 CurrentLoanOfferDTO 的 amount_to_pay。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

id
loan_terms_id
amount
currency
expiry_date
status
is_finalized
amount_changed
rejection_reason
masked_iban
principal
amount_to_pay
first_payment_date
repayment_fee

POST /v1/cash-loans/applications HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Content-Type: application/json

{
  "loan_terms_id": "lt_90d",
  "amount": "2000.00",
  "currency": "AED"
}

{
  "id": "app_771",
  "loan_terms_id": "lt_90d",
  "amount": "2000.00",
  "currency": "AED",
  "expiry_date": "2026-10-23",
  "status": "pending",
  "is_finalized": false,
  "amount_changed": false,
  "rejection_reason": null,
  "bank_account": {
    "id": "ba_12",
    "type": "iban",
    "masked_iban": "AE12 **** **** 0090",
    "currency": "AED",
    "available": true
  },
  "loan_offer": {
    "amount_to_pay": "2200.00",
    "first_payment_date": "2026-11-14",
    "principal": "2000.00",
    "repayment_fee": "200.00",
    "regular_payment": {
      "principal": "500.00",
      "repayment_fee": "50.00",
      "amount_to_pay": "550.00"
    },
    "payment_schedule": []
  }
}

卡片消费额度
GET /v1/cards/spending-limit openbanking
读取 Tabby 卡额度：CardLimitDTO 的 type、limit 对照 remaining，以及 MoneyAmountDTO 的 amount 与 currency。
认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。
- type
- period
- limit
- value
- remaining
- amount
- currency
```
GET /v1/cards/spending-limit HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json
```
```
{
  "type": "monthly",
  "period": "month",
  "limit": {
    "amount": "5000.00",
    "currency": "AED"
  },
  "value": "5000.00",
  "remaining": {
    "amount": "3120.50",
    "currency": "AED"
  }
}
```
借记账户摘要
GET /v1/accounts/summary openbanking
返回借记账户快照：AccountBalanceDto 的 balance 与 currency，以及 maxTopUpAmount / minTopUpAmount / remainingTopUpAmount。
认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。
- balance
- currency
- maxTopUpAmount
- minTopUpAmount
- remainingTopUpAmount
- presetTopupsAmount
```
GET /v1/accounts/summary HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json
```
```
{
  "balance": "1840.25",
  "currency": "AED",
  "maxTopUpAmount": "20000.00",
  "minTopUpAmount": "10.00",
  "remainingTopUpAmount": "18159.75",
  "presetTopupsAmount": ["50.00", "100.00", "200.00"]
}
```

借记 IBAN 明细

GET /v1/accounts/iban openbanking

返回借记收款坐标：AccountIbanDetailsDto 的 iban，以及 AccountDetailsDto 的 beneficiaryName、partnerBank 与 remainingTopUpAmount。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

iban
currencyShort
currencyFull
maxTopUpAmount
remainingTopUpAmount
beneficiaryName
partnerBank

GET /v1/accounts/iban HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "iban": "AE070331234567890123456",
  "currencyShort": "AED",
  "currencyFull": "UAE Dirham",
  "maxTopUpAmount": "20000.00",
  "remainingTopUpAmount": "18159.75",
  "beneficiaryName": "FATIMA ALI",
  "partnerBank": "Wio Bank",
  "customer": {
    "name": "Fatima Ali"
  }
}

汇款报价
POST /v1/transfers/quote openbanking
给出一笔汇款报价：TransferCalculationDTO 的 send_amount 对照 receive_amount、rate / rate_precise、fees、total_to_pay 与 sla。
认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。
- send_amount
- receive_amount
- rate
- rate_precise
- fees
- total_to_pay
- sla
```
POST /v1/transfers/quote HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Content-Type: application/json

{
  "send_amount": "500.00",
  "currency": "AED"
}
```
```
{
  "send_amount": "500.00",
  "receive_amount": "13580.00",
  "rate": "27.16",
  "rate_precise": "27.160000",
  "fees": "0.00",
  "total_to_pay": "500.00",
  "sla": "T+0"
}
```

列出汇款收款人

GET /v1/transfers/beneficiaries openbanking

列出已保存收款人：BeneficiaryDTO 的 id、pointer、name、provider_code、phone_number 与 account_details。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

id
pointer
name
avatar_url
type
provider_code
icon_url
phone_number
account_details
deletion_handle

GET /v1/transfers/beneficiaries HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "items": [
    {
      "id": "ben_19",
      "pointer": "iban:AE070331234567890123456",
      "name": "Omar Hassan",
      "avatar_url": "https://img.example.com/avatars/omar.png",
      "type": "iban",
      "provider_code": "WIO",
      "icon_url": "https://img.example.com/banks/wio.png",
      "phone_number": "+971509876543",
      "account_details": {
        "iban": "AE070331234567890123456"
      },
      "view": "full",
      "deletion_handle": "del_19"
    }
  ]
}

返现提现摘要
GET /v1/rewards/withdrawable openfinance
读取可提现忠诚度现金：WithdrawBalanceDTO 的 balance 拆成 real_balance 与 virtual_balance，附 currency。
认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。
- balance
- real_balance
- virtual_balance
- currency
```
GET /v1/rewards/withdrawable HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json
```
```
{
  "balance": "85.40",
  "real_balance": "60.40",
  "virtual_balance": "25.00",
  "currency": "AED"
}
```

账单账户查询

GET /v1/bills/account-lookup opendata

解析一个缴费账户：BillAccountDetailsResponseDTO 含 BillDTO 的 amount、status、is_bnpl_available 与 BillerDTO 的 name。

认证方式： POST /v1/signin/verify 之后 AuthResponseDto 签发的 Authorization: Bearer access_token。

account
details
nickname
is_persistent
bill
id
amount
currency
status
pay_now_status
is_bnpl_available
biller
name
logo_url

GET /v1/bills/account-lookup?account=0501234567 HTTP/1.1
Authorization: Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...
Accept: application/json

{
  "account": {
    "details": "0501234567",
    "nickname": "Home DEWA",
    "is_persistent": true
  },
  "bill": {
    "id": "bill_331",
    "amount": "312.80",
    "currency": "AED",
    "details": "Sep 2026",
    "status": "unpaid",
    "pay_now_status": "ready",
    "is_bnpl_available": true
  },
  "biller": {
    "name": "DEWA",
    "logo_url": "https://img.example.com/billers/dewa.png"
  }
}

数据类别

余额
账单
交易
贷款
卡片
转账

数据使用场景与案例

先买后付账单对账
财务机器人拉取每月 amount_to_pay、amount_paid 与 due_date，再把每笔 purchase remaining 对上账单，看出哪些商户贷款仍未结清。
卡片额度占用监控
发卡运营看板把 CardLimitDTO 的 remaining 对照 limit 以及借记账户 balance，在下一期账单前发现 Tabby 卡消费尖峰。
汇款报价对比
走廊柜台保存每次报价的 send_amount、receive_amount、rate_precise 与 fees，再按同一收款人 pointer 把 Tabby 报价和银行外汇并列。
Advance 放款跟踪
信贷账本记录 ApplicationDTO 的 status、expiry_date 与 masked_iban，放款后跟踪 CurrentLoanOfferDTO 的 amount_to_pay，使现金贷账与客户界面一致。

常见问题

登录后 Tabby 会给出哪些客户记录？

已登录调用返回先买后付账单（amount_to_pay、due_date、min_payment）、单笔贷款 remaining、Tabby Advance 报价（principal、repayment_fee）、卡片 limit 对照 remaining、借记 iban 与 balance、汇款报价（send_amount、receive_amount、rate）、返现 real_balance / virtual_balance，以及缴费账单 amount 与 is_bnpl_available。

Tabby 如何鉴权客户会话？

客户端先对手机号发验证码，再在登录接口提交 phone 加 confirmation_code（或 password）。AuthResponseDto 返回 access_token 与 refresh_token；后续客户路由携带 Authorization: Bearer access_token。刷新时把 refresh_token 作为 token 提交。

这些客户记录覆盖哪些市场？

该 Android 客户端是 Tabby FZ LLC 在阿联酋与沙特已登录购物者的入口。账单与借记金额模型带 currency 字段（阿联酋账户常见 AED）。

与 Tabby: Send, spend and save 相似的应用

Tamara — Tamara 是覆盖沙特与阿联酋的先买后付应用，购物者可一次付清或把订单拆成免息分期，并提供不收逾期利息的符合伊斯兰教法方案。
Postpay — Postpay 是总部位于迪拜的先买后付服务，在阿联酋合作零售商结账时把订单拆成三期免息付款。
Cashew — Cashew 是阿联酋先买后付平台，把医疗、教育、汽车和家装等较大金额消费拆成 3、6 或最多 12 期月付，线上线下合作商户均可使用。
Spotii — Spotii 是覆盖阿联酋、沙特与巴林的中东北非先买后付应用，购物者可在合作商户把消费拆成分期。
MISpay — MISpay 是受沙特央行监管的先买后付应用，可在线上、门店和 MISpay 应用内把消费拆成四期免息、符合伊斯兰教法的分期。
Wio — Wio Personal 是阿布扎比数字银行、受阿联酋央行牌照监管，应用内可开立迪拉姆账户、多币种汇款，并发放返现信用卡。

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获取报价

Tabby 分期与卡片数据 API

应用截图

API 端点一览

发送登录验证码

密码或验证码登录

刷新访问令牌

列出先买后付账单

分期购贷款明细

Tabby Advance 贷款报价

提交 Advance 申请

卡片消费额度

借记账户摘要

借记 IBAN 明细

汇款报价

列出汇款收款人

返现提现摘要

账单账户查询

数据类别

数据使用场景与案例

先买后付账单对账

卡片额度占用监控

汇款报价对比

Advance 放款跟踪

常见问题

与 Tabby: Send, spend and save 相似的应用

更多信贷类应用

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

相关主题

需要集成这个 App 的数据 API？

Tabby 分期与卡片数据 API

应用截图

API 端点一览

发送登录验证码

密码或验证码登录

刷新访问令牌

列出先买后付账单

分期购贷款明细

Tabby Advance 贷款报价

提交 Advance 申请

卡片消费额度

借记账户摘要

借记 IBAN 明细

汇款报价

列出汇款收款人

返现提现摘要

账单账户查询

数据类别

数据使用场景与案例

先买后付账单对账

卡片额度占用监控

汇款报价对比

Advance 放款跟踪

常见问题

相关应用

与 Tabby: Send, spend and save 相似的应用

更多信贷类应用

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

相关主题

需要集成这个 App 的数据 API？