The cost to build a buy now pay later app like Tabby can vary depending on several factors such as the complexity of the app, the technology used, and the design system. A mid-level app with a basic UI and technology set can cost between $35,000-$60,000, while an app with multiple technology integrations and a high-end design system can cost upwards of $150,000.
Factors that can impact the cost include the number of features and functionalities, the number of integrations with other systems, the design and user experience, and the level of security required. Additionally, the cost of development may also be influenced by the location of the development team, as well as the cost of ongoing maintenance and updates.
tabby app development

Factors affecting the cost of building an app like Tabby

Yes, that is correct. Tabby is a buy now, pay later app that allows users to make purchases on eCommerce platforms and pay for them in four equal installments. The concept is unique and in demand in the UAE region. The different elements that go into the app, such as integration with eCommerce platforms, a secure payment gateway, and a user-friendly design, all contribute to making it a popular choice among consumers.

Developing an app like Tabby is affected by a variety of factors:

Seamless integration with eCommerce platforms: Tabby's API/SDK allows for easy integration with various eCommerce platforms, providing a seamless shopping experience for users.
Secure payment gateway: Tabby uses a secure payment gateway that encrypts sensitive information, such as credit card details, to protect against fraud and data breaches.
User-friendly design: Tabby has a user-friendly and easy-to-navigate design that makes it easy for users to find and purchase products.
Flexible payment options: Tabby offers the ability for users to pay for purchases in four equal installments, providing a more flexible payment option.
A credit check and approval process: Tabby has a built-in credit check and approval process to determine the creditworthiness of a user before allowing them to make a purchase.
Real-time notifications: Tabby sends real-time notifications to users regarding their purchase and payment status, keeping them informed and up-to-date.
Analytics and reporting: Tabby provides analytics and reporting tools to merchants and businesses to help them track and analyze customer behavior and purchase history.
Customer support: Tabby offers customer support to users and merchants to help them with any issues or questions they may have.
Read Also: How Much Does It Cost To Develop An App Like Tabby Card?

App Design

Yes, minimalism in design is a key advantage of the Tabby app. The simple and clear structure of the app, with its four main screens and straightforward user journey, makes it easy for users to navigate and find the information they need. By keeping the design uncluttered and focused on the essentials, the app is able to deliver a smooth and efficient user experience.
When building an app like Tabby, it's important to keep in mind the importance of minimalism in design and to avoid overcrowding the app with unnecessary features or visual elements. Focusing on the user journey and the specific needs of the target audience can help to ensure that the app is tailored to their needs and that the overall user experience is positive.

App development

When investing in the mobile app development of a pay-later app, there are two main options: keeping it specific to your own store, or creating an API/SDK that allows for easy integration with other eCommerce stores.
A milestone-wise approach can be beneficial if you own an e-commerce store, where the feature is launched in your store first and then an SDK/API of it is developed. This approach allows you to test and refine the feature before making it available to other eCommerce stores.
Depending on which business model you choose, the development efforts will go into creating the front and back end of the application, building all the features mentioned above, and integrating high-end technology such as VR for product trying and AI for predictive analytics.
Lastly, depending on the model chosen, you will either have to make one version of the pay later app or two.

Compliances

Yes, that is correct. Since after-pay apps are a relatively new concept in the financial space, regulatory compliances are still developing on a global scale. It's important to ensure that your app is compliant with the regulations in the region where it will be launched.
Tabby, for example, is compliant with the Saudi Central Bank's Regulatory Sandbox Environment in the KSA and is also PCI DSS certified. If you are launching your app outside of the UAE region, it's important to check with the regulatory bodies in that region, such as the FTC in the US, to ensure compliance before launching the app for mass usage.
It's also important to keep in mind that regulations may change over time and your app will need to be updated accordingly to stay compliant. It's important to have a legal advisor who will guide you through the process.

Development team

Yes, the team working on the development of an app like Tabby can greatly affect the overall cost. The team size and the region where the team is based can have a significant impact on the cost of development.
A buy-now-pay-later app like Tabby typically requires a team of experts from various fields, such as research, platform-specific developers, backend developers, designers, and QA testers. Having a large team with specialized skills can increase the overall cost of development.
The region where the team is based can also affect the cost. Development companies based in different regions can have different hourly rates. For example, a company based in India may charge anywhere between $80-100 per hour, while a company based in the US may charge $100-120 per hour.
It is important to note that a cheaper hourly rate may not always be the best option, as it is also important to consider the experience, expertise, and quality of the team.

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