Paylater and Cardless EMIs

Offer pay-later and cardless EMI options at Cashfree checkout, including LazyPay, Simpl, and EMI partners, to improve affordability and lift order conversion.

Cashfree supports payment options with EMI and Pay Later methods. Seamlessly integrate Cashfree’s platform to offer a range of credit and debit card EMIs, along with diverse Pay Later providers, enhancing the checkout experience.

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": "hdfc",
			"emi_tenure": 3
		}
	}
}

We support varying tenures for each of these: 3, 6, 9, 12, 14, 18, 24, 36, 48 depending on the issuing bank.

The following 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, 48 depending on the issuing bank.

Credit card EMI plans

Card type	Type of EMI	Bank	card_bank_name	Minimum amount	Maximum amount	Annual interest rate	Tenure	Processing fees	Remarks
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	3	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	6	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	9	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	12	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	18	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	ICICI Bank	icici	1500	9999999	15.99	24	2.99% + GST, maximum up to ₹299 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	3	₹199 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	6	₹199 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	9	₹199 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	12	₹199 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	18	₹199 + GST	-
Credit	Standard	AU Small Finance Bank	au	2000	-	14	24	₹199 + GST	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	3	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	6	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	9	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	12	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	18	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Axis Bank	axis	2500	1000000	17	24	₹299 + GST below ₹50,000; ₹599 + GST above ₹50,000	-
Credit	Standard	Bank of Baroda	bob	2500	-	16	3	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	6	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	9	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	12	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	18	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	24	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	Bank of Baroda	bob	2500	-	16	36	₹199 + GST	Available tenures: 2, 3, 4, 5, 6, 7, 8, 9, 12, 18, 24, 36. See Bank of Baroda EMI terms below.
Credit	Standard	RBL Bank	rbl	2500	-	14	3	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	RBL Bank	rbl	2500	-	14	6	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	RBL Bank	rbl	2500	-	15	9	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	RBL Bank	rbl	2500	-	15	12	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	RBL Bank	rbl	2500	-	15	18	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	RBL Bank	rbl	2500	-	15	24	₹150 + GST up to ₹10,000; 1.5% + GST above ₹10,000	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	11.88	3	1%	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	14	6	1%	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	15	9	1%	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	15	12	1%	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	15	18	1%	-
Credit	Standard	Standard Chartered	standard chartered	2000	-	15	24	1%	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	3	₹299 + GST	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	6	₹299 + GST	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	9	₹299 + GST	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	12	₹299 + GST	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	18	₹299 + GST	-
Credit	Standard	Yes Bank	yes	1500	999999999	16	24	₹299 + GST	-
Credit	Standard	American Express	amex	5000	-	14	3	₹199 + GST	American Express EMI terms
Credit	Standard	American Express	amex	5000	-	14	6	₹199 + GST	American Express EMI terms
Credit	Standard	American Express	amex	5000	-	14	9	₹199 + GST	American Express EMI terms
Credit	Standard	American Express	amex	5000	-	14	12	₹199 + GST	American Express EMI terms
Credit	Standard	American Express	amex	5000	-	15	18	₹199 + GST	American Express EMI terms
Credit	Standard	American Express	amex	5000	-	15	24	₹199 + GST	American Express EMI terms
Credit	Standard	HDFC Bank	hdfc	1000	999000	18	3	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	6	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	9	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	12	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	18	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	24	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	36	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	HDFC Bank	hdfc	1000	999000	17	48	₹299 + GST	HDFC Bank EasyEMI credit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Credit	Standard	Kotak Mahindra Bank	kotak	1000	-	16	3	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	6	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	9	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	12	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	18	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	20	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	24	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	30	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	Kotak Mahindra Bank	kotak	2500	-	16	36	₹249 + GST	Available tenures: 3, 6, 9, 12, 18, 20, 24, 30, 36. Foreclosure fee of 2% on the principal amount + GST.
Credit	Standard	SBI	sbi	2500	-	17.25	3	-	-
Credit	Standard	SBI	sbi	2500	-	16.50	6	-	-
Credit	Standard	SBI	sbi	2500	-	16.50	9	-	-
Credit	Standard	SBI	sbi	2500	-	16.50	12	-	-
Credit	Standard	SBI	sbi	2500	-	17.00	18	-	-
Credit	Standard	SBI	sbi	2500	-	17.00	24	-	-
Credit	Standard	IDFC Bank	idfc	1500	-	16	3	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	6	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	9	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	12	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	18	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	24	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IDFC Bank	idfc	1500	-	16	36	₹249 + GST	Foreclosure fee of 3% of outstanding amount + GST
Credit	Standard	IndusInd Bank	indus	2000	-	16	3	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	6	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	9	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	12	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	18	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	24	₹249 + GST	IndusInd Easy EMI terms
Credit	Standard	IndusInd Bank	indus	2000	-	16	36	₹249 + GST	IndusInd Easy EMI terms

For Bank of Baroda EMI, the following terms must appear in all T&C documents and on the payment page of campaigns that include EMI:

1. I have understood and accept the T&C of EMI as available on the website (www.bobcard.co.in) and the applicable charges mentioned.
2. I understand that in the event of the merchant or me cancelling my EMI transaction, I am responsible for notifying BOBCARD to cancel the EMI that was booked for the cancelled transaction.
3. Processing fee of ₹199 plus applicable taxes will be charged for each EMI.

Debit card EMI

Cashfree Payments supports HDFC Bank Debit Card EMI payment method. This option is available to customers who are pre-approved by this issuing bank.

Here is a sample of the request that you need to send to /orders/sessions to process a seamless EMI payment. Read more here. Incase of a native OTP flow , Cashfree provides a submit OTP API which needs to be integrated on your checkout page.

Request

{
     "payment_method": {
          "emi": {
               "channel": "post",
               "card_number": "4280901212123121",
               "card_holder_name": "Tushar Gupta",
               "card_expiry_mm": "09",
               "card_expiry_yy": "23",
               "card_cvv": "900",
               "emi_tenure": 12,
               "card_bank_name": "hdfc",
               "phone": 8714268343
          }
     },
    "payment_session_id": "session__CvcEmNKDkmERQrxnx39ibhJ3Ii034pjc8ZVxf3qcgEXCWlgDDlHRgz2XYZCqpajDQSXMMtCusPgOIxYP2LZx0-05p39gC2Vgmq1RAj--gcn"
}

The following 1 card issuer is supported for card-based EMIs.

Please send the exact values in the card_bank_name parameter.

Bank name	Native OTP
HDFC Bank	Yes

Debit card EMI plans

Card type	Type of EMI	Bank	card_bank_name	Minimum amount	Maximum amount	Annual interest rate	Tenure	Processing fees	Remarks
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	3	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	6	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	9	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	12	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	18	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	24	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	36	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.
Debit	Standard	HDFC Bank	hdfc	3000	400000	16	48	₹299 + GST	HDFC Bank EasyEMI debit card. Available tenures: 3, 6, 9, 12, 18, 24, 36, 48.

Cardless EMI plans

Your customers can pay using non-card-based EMI providers. A sample request is provided for reference.

The available providers include FlexMoney, which offers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, LazyPay, TVS Credit, and Home Credit, as well as ZestMoney.

Request

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"
}

Provider details

Provider parameter: flexmoney Provider name: FlexMoney (powers cardless EMI from HDFC Bank, ICICI Bank, IDFC Bank, LazyPay, TVS Credit, and Home Credit) Minimum amount: 500 onwards

Cardless EMI Plans

Card type	Type of EMI	Bank	provider	Minimum amount	Maximum amount	Annual interest rate	Tenure	Processing fees	Remarks
Cardless	Standard	HDFC Bank	hdfc	3000	500000	16	3	₹299 + GST	-
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	6	₹299 + GST	-
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	9	₹299 + GST	-
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	12	₹299 + GST	-
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	18	₹299 + GST	-
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	24	₹299 + GST	-
Cardless	Standard	ICICI Bank	icici	7000	500000	18	3	-	-
Cardless	Standard	ICICI Bank	icici	7000	500000	18	6	-	-
Cardless	Standard	ICICI Bank	icici	7000	500000	18	9	-	-
Cardless	Standard	ICICI Bank	icici	7000	500000	18	12	-	-
Cardless	Standard	IDFC Bank	idfc	5000	60000	24	3	-	-
Cardless	Standard	IDFC Bank	idfc	5000	60000	24	6	-	-
Cardless	Standard	IDFC Bank	idfc	5000	60000	24	9	-	-
Cardless	Standard	IDFC Bank	idfc	5000	60000	24	12	-	-
Cardless	Standard	LazyPay	lazypay	3000	100000	20	3	₹199 + GST	-
Cardless	Standard	LazyPay	lazypay	3000	100000	20	6	₹199 + GST	-
Cardless	Standard	LazyPay	lazypay	3000	100000	20	9	₹199 + GST	-
Cardless	Standard	LazyPay	lazypay	3000	100000	20	12	₹199 + GST	-
Cardless	Standard	TVS Credit	tvs	3000	50000	22	3	2.36%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	22	6	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	27	9	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	27	12	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	27	15	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	27	18	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	TVS Credit	tvs	3000	50000	27	24	4.72%	Available tenures: 3, 6, 9, 12, 15, 18, 24
Cardless	Standard	Home Credit	homecredit	4000	75000	25	3	₹299 + GST	-
Cardless	Standard	Home Credit	homecredit	4000	75000	25	6	₹299 + GST	-
Cardless	Standard	ZestMoney	zestmoney	3000	200000	20	3	1.75%	Bounce and late payment charges are provided in the KFS. Customers with an active credit line are eligible within the allocated limit. 3-month tenure is enabled for subvention cases only.
Cardless	Standard	ZestMoney	zestmoney	3000	200000	24.90	6	1.50%	Bounce and late payment charges are provided in the KFS. Customers with an active credit line are eligible within the allocated limit.
Cardless	Standard	ZestMoney	zestmoney	3000	200000	24.90	9	2.00%	Bounce and late payment charges are provided in the KFS. Customers with an active credit line are eligible within the allocated limit.

Paylater providers

Your customers can also pay through the following Paylater providers:

• Lazypay

Provider parameter	Name of the provider
lazypay	LazyPay (applicable for orders with a minimum value of ₹100 and a maximum value of ₹5,000)

lazypay request

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": "lazypay",
            "phone": "999999999"
        }
    },
    "payment_session_id": "session_0_7R8dKzYmdby5xKkADpF8id7LgIZk3pv7faZ9-2v7s_cA34F2YKjVCSG4D8gOjzmlYFSgtn3q9txW3uKFC_IM5wE289t3137ITsZPqPynCB-ip8rCq6Y70_0Qwpayment"
}'

Related topics

• Get Eligible Payment Methods API
• Order Pay API
• Submit OTP API