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MENA Tracker Guides

Tamara Cookies and PDPL Consent

What Tamara's buy-now-pay-later integration stores, how it should be categorised, and what consent it needs first.

Cookies we detect

Category: Marketing
  • tamara_*
  • _tamara_*

Detection patterns are taken from our own cookie classifier and are limited to those confirmed in real scans. Patterns we have inferred from vendor documentation but not yet observed are deliberately not listed.

What Tamara sets

Tamara's widget writes cookies on the merchant's own origin covering the shopper's session and the checkout funnel, so Tamara can connect an approval back to the page that promoted it. Because they are set on your domain they appear first-party, and a scanner that classifies by domain rather than by pattern will wave them through.

Why it is classified as marketing, not necessary

Essential means the visitor cannot get what they asked for without it. Someone reading a product page has not asked for instalments, so cookies that exist to measure whether they later take them are advertising and analytics infrastructure, not checkout infrastructure. It changes once they actively select Tamara as a payment method — from that point the session cookie is completing a transaction they chose.

What PDPL requires

Consent before processing, and PDPL does not care that the cookie is first-party. If the widget script runs on page load, Tamara receives visitor data before anyone agreed, which is the pattern SDAIA has been penalising. Gate the widget on the marketing category, or render the instalment price server-side and load the interactive widget only on click.

How Arqam360 handles it

Detected by pattern, classified as marketing, and blocked until consent when enforcement is on. The declaration names Tamara in Arabic and English, which is the difference between a declaration a Saudi regulator finds credible and one that reads as a copied EU template.

See which of these are on your store right now, and which are firing before anyone consents.

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