Activating EMI and Pay Later

Offer your customers the convenience of buying now and paying later through Cashfree's platform. Enable multiple Pay Later and EMI options with a single integration. Contact [email protected] to use these features.

Credit Card EMI

Cashfree supports Credit Card EMI payment method. You can use different EMI providers on our platform. Below is a list of supported providers and their payment codes for a seamless flow. If you are using a Cashfree hosted integration, we will automatically show all these options to eligible users on the checkout page.

Here is a sample of the request that you need to send to /orders/sessions to process a seamless EMI payment. Read more here.

{         "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjONvpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk",
"payment_method" : {
        "emi": {
            "channel": "link",
            "card_number": "4111111111111111", 
            "card_expiry_mm": "12",
            "card_expiry_yy": "22",
            "card_cvv": "123",
            "card_bank_name": "Kotak",
            "emi_tenure": 3
        }
    }
}

The following 14 card issuers are supported for card-based EMIs. Please send the exact values in the card_bank_name parameter.

We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.

Credit Card EMI Plans

List of EMI Plan that is required in case of Card based EMI

Debit Card EMI

Cashfree Payments supports Debit Card EMI payment method. When a merchant uses a Cashfree hosted integration, we show the Debit Card EMI option on request.

Debit Card EMI Plans

Cardless EMI Providers

Your customers can also pay through other EMI providers (non-card based). A sample request is also provided here for your reference. ["flexmoney", "zestmoney"].

The providers are:
Flexmoney (powers Cardless EMI from HDFC Bank, Kotak Bank, ICICI Bank, IDFC Bank, Federal Bank, Home Credit & Bank of Baroda)
ZestMoney
Kreditbee

curl --request POST \
     --url https://api.cashfree.com/pg/orders/sessions \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '
{
     "payment_method": {
          "cardless_emi": {
               "channel": "link",
               "provider": "flexmoney",
               "phone": "77891212345"
          }
     },
     "payment_session_id": "session_mdCizuqcgJWbIhdJ4rjON-vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

Cardless EMI Plans

Paylater Providers

Your customers can also pay through the following Paylater providers:

• Kotak Bank Paylater
• HDFC Bank Paylater
• ZestMoney Paylater
• Lazypay
• Ola Money Postpaid
• Simpl
• Freecharge

curl --request POST \
     --url https://api.cashfree.com/pg/orders/sessions \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '
{
     "payment_method": {
          "paylater": {
               "channel": "link",
               "provider": "flexipay",
               "phone": "77891212345"       
          }
     },
     "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjON- vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

Simpl Integration
For any new customer on your platform, simpl provides a redirection URL to authenticate the customer. For repeat customer Cashfree provides a submit OTP API which needs to be integrated on your checkout page for a seamless experience.

curl --request POST \
     --url https://api.cashfree.com/pg/orders/sessions \
     --header 'Accept: application/json' \
     --header 'Content-Type: application/json' \
     --data '
{
     "payment_method": {
          "paylater": {
               "channel": "link",
               "provider": "simpl",
               "phone": "8714268343"       
          }
     },
     "payment_session_id":"session_mdCizuqcgJWbIhdJ4rjON-vpCB1B31muN7Tev9p2kdlEQpj9mem5yF5gbUju4kdgN6-31FJnGK3yaEcqG0GZUsrbzOLDFPfA30iYduwiNmBk"
}

{
    "payment_method": "paylater",
    "channel": "link",
    "action": "link",
    "data": {
        "url": "https://prod.cashfree.com/pgnextgenapi-test/api/v1/view/gateway/FyQrZyVNFqABzPzbj9fJ389252b2c7b4e0b2e11380b550c81cc6",
        "payload": null,
        "content_type": null,
        "method": null
    },
    "cf_payment_id": 1316274816,
    "payment_amount": 1.00
}

{
    "payment_method": "paylater",
    "channel": "post",
    "action": "post",
    "data": {
        "url": "https://prod.cashfree.com/pgnextgenapi-test/api/v1/orders/pay/authenticate/1316030207",
        "payload": null,
        "content_type": "application/json",
        "method": "post"
    },
    "cf_payment_id": 1316030207,
    "payment_amount": 1.00
}

curl --location --request POST 'https://prod.cashfree.com/pgnextgenapi-test/api/v1/orders/pay/authenticate/1316030207' \
--header 'x-api-version: 2021-05-21' \
--header 'Content-Type: application/json' \
--data-raw '{
    "otp": "8686",
    "action": "SUBMIT_OTP"
}'