EMI and Pay Later Method
Offer your customers the convenience of buying now and paying later through Cashfree's platform. Enable multiple Pay Later and cardless credit EMI options with a single integration. Contact [email protected] to use these features.
EMI
Cashfree supports 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/pay
to process a seamless EMI payment. Read more here.
{
"order_token": "t9qcKxyZeINHM625rHrx",
"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 card issuers are supported for card-based EMIs. Please send the exact values in the card_bank_name
parameter.
- HDFC
- Kotak
- ICICI
- RBL
- BOB
- Standard Chartered
- Axis
We support the following tenures for each of these: 3, 6, 9, 12, 14, 18, 24.
EMI Plans
List of emiPlan that is required in case of Card based EMI
Name of the Provider | No. of Months | Interest | |
---|---|---|---|
Standard Chartered Credit Card | 3 | 11.88 % | |
Standard Chartered Credit Card | 6 | 13 % | |
Standard Chartered Credit Card | 9 | 14 % | |
Standard Chartered Credit Card | 12 | 14 % | |
ICICI Bank Credit Card | 3 | 13 % | |
ICICI Bank Credit Card | 6 | 13 % | |
ICICI Bank Credit Card | 9 | 13 % | |
ICICI Bank Credit Card | 12 | 13 % | |
ICICI Bank Credit Card | 18 | 15 % | |
ICICI Bank Credit Card | 24 | 15 % | |
Kotak Bank Credit Card | 3 | 12 % | |
Kotak Bank Credit Card | 6 | 12 % | |
Kotak Bank Credit Card | 9 | 14 % | |
Kotak Bank Credit Card | 12 | 14 % | |
Kotak Bank Credit Card | 18 | 15 % | |
Kotak Bank Credit Card | 24 | 15 % | |
HDFC Bank Credit Card | 3 | 15 % | |
HDFC Bank Credit Card | 6 | 15 % | |
HDFC Bank Credit Card | 9 | 15 % | |
HDFC Bank Credit Card | 12 | 15 % | |
Bank of Baroda | 3 | 13 % | |
Bank of Baroda | 6 | 13 % | |
Bank of Baroda | 9 | 13 % | |
Bank of Baroda | 12 | 13 % | |
Bank of Baroda | 18 | 15 % | |
Bank of Baroda | 24 | 15 % | |
Bank of Baroda | 36 | 15 % | |
RBL Bank | 3 | 13 % | |
RBL Bank | 6 | 14 % | |
RBL Bank | 9 | 15 % | |
RBL Bank | 12 | 15 % | |
RBL Bank | 18 | 15 % | |
RBL Bank | 24 | 15 % | |
Axis Bank | 3 | 13 % | |
Axis Bank | 6 | 13 % | |
Axis Bank | 9 | 14 % | |
Axis Bank | 12 | 14 % | |
Axis Bank | 18 | 15 % | |
Axis Bank | 24 | 15 % |
Other EMI Providers
Your customers can also pay through other EMI providers (non card based). A sample request is also provided here for your reference.
curl --request POST \
--url https://api.cashfree.com/pg/orders/pay \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--data '
{
"payment_method": {
"paylater": {
"channel": "link",
"phone": "77891212345"
}
},
"order_token": "ydfkhkashdfh1k23123"
}
Provider | Name of the Provider |
---|---|
flexmoney | FlexMoney |
zestmoney | ZestMoney |
Paylater Providers
Your customers can also pay through the following Paylater providers. ["kotak", "flexipay", "zestmoney", "lazypay", "olapostpaid"].
Provider | Name of the Provider |
---|---|
kotak | Kotak Bank Paylater |
flexipay | HDFC Bank Paylater |
zestmoney | ZestMoney Paylater |
lazypay | Lazypay |
olapostpaid | Ola Money Postpaid |
Updated 18 days ago