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# 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.

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EMI and Pay Later

# 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/pay` to process a seamless EMI payment. [Read more here](🔗). 


**The following 14 card issuers are supported for card-based EMIs. Please send the exact values in the `card_bank_name` parameter. ** 
Bank Namecard_bank_name
HDFC BankHDFC
Kotak BankKOTAK
ICICI BankICICI
RBL BankRBL
Bank Of BarodaBOB
Standard CharteredStandard Chartered
Axis BankAXIS
AU Small Finance BankAU
Yes BankYES
IndusInd BankINDUS
State Bank Of IndiaSBI
Federal BankFED
HSBCHSBC
Citi BankCITI
We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36 depending on the issuing bank.
## EMI Plans
List of emiPlan that is required in case of Card based EMI
Name of the ProviderMinimum Amount (INR)3 Months6 Months9 Months12 Months18 Months24 Months36 Months20 Months30 Months
Standard Chartered Credit Card200011.88%13%14%14%




ICICI Bank Credit Card150014.99%14.99%14.99%14.99%14.99%14.99%


Kotak Bank Credit Card250013%13%14%14%15%15 %18 %15 %16 %
HDFC Bank Credit Card300016%16%16%16%




Bank of Baroda250013%14%14%15%16%16 %16 %

RBL Bank150013%14%15%15%15 %15 %


Axis Bank250014%14%15%15%16%16 %


AU Small Finance Bank200014%14%14%14%14%14%


State Bank of India Credit Card400014%14%14%14%




Federal Bank250014%14%14%14%




Citi250013%13%15%15%




HSBC200112.50%12.50%13.50%13.50%13.50%



Indusind200113%13%13%13%15%15%


Yes Bank150012%12%13%13%15%15%



# 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. We will soon be live on the seamless integration flow.
Name of the ProviderMinimum Amount (INR)3 Months6 Months9 Months12 Months18 Months24 Months
HDFC Bank500016%16%16%16%16%16%

# 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 (Will be available soon for web integration flow.)

Provider ParameterName of the Provider
flexmoneyFlexMoney (powers Cardless EMI from HDFC Bank, Kotak Bank, ICICI Bank, IDFC Bank, Federal Bank, Home Credit & Bank of Baroda)
zestmoneyZestMoney
# 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 (Will be available soon for web integration flow.)
Provider ParameterName of the Provider
kotakKotak Bank Paylater
flexipayHDFC Bank Paylater
zestmoneyZestMoney Paylater
lazypayLazypay
olapostpaidOla Money Postpaid
simplSimpl

`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.