PayTabs is a Middle East and North Africa local acquirer with a Gulf focus: its value lies in local card network coverage and local settlement. Its onboarding threshold is tied to the region, requiring a local trade licence and a local settlement account, so teams without a local entity can rarely integrate directly. This guide covers positioning, onboarding, integration trade-offs, fee components and misreadings.
This handbook covers only the merchant side of Klarna and deliberately skips platform comparison. It explains the two layers of value, conversion lift from instalments and the often ignored in-app traffic placement, then breaks down what merchants actually carry: fees, returns and dispute handling, and who funds interest-free promotional periods.
What separates Affirm from deferred-charge buy now pay later is that it is a lending product, so a merchant integrates more than a payment method: it also takes on compliant display and marketing duties. This guide focuses on the extra requirements lending brings, from interest and APR disclosure to state-level lending rules and the boundaries of marketing claims.