Mena Bnpl

MENA BNPL

When To Use

Use this skill for bnpl work in Arab/MENA contexts, especially when the prompt includes: BNPL, installments, Tabby, Tamara, valU, Souhoola, Shahry, Postpay.

When Not To Use

• Do not promise approval rates, credit decisions, or regulated terms.
• Do not invent installment plans.

Required Inputs

• Country or market.
• Target vendor, if already selected.
• Desired workflow: vendor selection, implementation, review/debugging, launch readiness, or source research.
• Sandbox vs production state.
• Whether live customer, payment, tax, identity, bank, or payroll data is involved.

Common Workflows

• Identify whether the request is checkout, merchant onboarding, capture, refund, webhook, or eligibility.
• Read the provider file and source list before making integration recommendations.
• Separate customer-facing eligibility from merchant API handling.
• Return source-backed gaps and manual review requirements.

Default Workflow

1. Read sources.yml to see available vendors and confidence.
2. If a vendor is named, read only vendors/.md for that vendor.
3. If choosing vendors, compare only vendors in this skill's registry: cashew, postpay, shahry, souhoola, tabby, tamara, valu.
4. Load references/integration-checklist.md only for implementation, review, or launch-readiness work.
5. Use scripts/list-vendors.mjs for a deterministic vendor list when needed.
6. Answer with source-backed facts, explicit unknowns, and validation steps.

Decision Tree

• Named vendor: read that vendor file, then answer narrowly.
• Vendor selection: filter by country, docs access, maturity, and source quality before recommending.
• Implementation: include auth, sandbox, webhook/callback, retries, idempotency, logging, and error handling only where source-backed.
• Review/debugging: compare the user's plan or code against the vendor file, sources.yml, and references/integration-checklist.md.
• Source research: update facts only when an official source, developer portal, GitHub repo, OpenAPI/Postman asset, or government source supports the claim.
• Missing docs: say Needs vendor access or Unknown from public docs.

Response Contract

• Start by naming the skill file and vendor/reference files used.
• Give a short recommendation or implementation path before details.
• Separate source-backed facts from assumptions and unknowns.
• Include country/market fit, docs access, docs confidence, and source-quality caveats when selecting vendors.
• Include a validation checklist with sandbox/test steps, rollback or retry notes, and manual approval gates for high-risk work.
• Never provide live-action instructions that move money, tax documents, bank data, identity data, payroll data, or outbound messages without explicit human approval.

Files To Read

• Routing and process: SKILL.md.
• Vendor facts: vendors/*.md.
• Source map: sources.yml.
• Implementation review: references/integration-checklist.md.
• Example response style: examples/source-backed-answer.md.

Safety Rules

• Treat financing, refunds, and settlement as high-risk operations.
• Use sandbox or test merchants first.
• Require explicit approval before live BNPL capture, cancellation, refund, or settlement operations.
• Confirm cancellation/refund behavior in official docs before implementation.
• Do not store unnecessary customer financial data.

Validation Checklist

• Vendor facts map back to source_urls.
• Unknowns are labeled instead of guessed.
• Sandbox and production are separated.
• Secrets are not printed or committed.
• High-risk live actions require explicit human approval.
• Evals in evals/prompts.yml still cover the changed workflow.

Done Criteria

• The answer names the files read or source-backed references used.
• The implementation plan includes tests and rollback/verification steps.
• No unsupported regional, API, compliance, pricing, or endpoint claims are included.

Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: ArabAgentSkills
• Source: ArabAgentSkills/Skills
• License: MIT
• Homepage: https://arabskills.info

Install and usage instructions live in the source repository linked above.