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Buy Now Pay Later

India's widest range of

Buy Now Pay Later options

Provide flexible payment options with card and

cardless EMI

,

Pay Later

and increase customer conversions by 30%.

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30+ supported banks & partners
Ola
Unlock more revenue with Buy Now Pay Later
  • Reduce customer drop-offs
  • Increase average order value by 40%-60%
  • Enable easy access to credit
  • Attract new customer segments
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Comprehensive BNPL Suite
Provide No Cost EMI and special offers
Delight your customers through No Cost EMI on credit cards and running seasonal offers through coupon based discounts and cashbacks on your checkout page.
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Go live in quick time with our customized payment gateway integrations and plug-ins

PRICING

Transparent and friendly pricing
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HDFC
HDFC
Kotak
Kotak
ICICI
ICICI
RBL
RBL
Bank of Bank
Bank of Bank
Standard Chartered
Standard Chartered
Axis Bank
Axis Bank
AU Small Finance Bank
AU Small Finance Bank
HDFC
HDFC
Other major banks coming soon
HDFC
HDFC
ICICI
ICICI
Kotak
Kotak
IDFC
IDFC
Federal Bank
Federal Bank
Home Credit
Home Credit
Zest Money
Zest Money
KreditBee
KreditBee
LazyPay
LazyPay
Ola Money Postpaid
Ola Money Postpaid
ePay
ePay
HDFC via Flexmoney
HDFC via Flexmoney
Kotak via Flexmoney
Kotak via Flexmoney
Simpl
Simpl
Freecharge PayLater
Freecharge PayLater
Zest Money PayLater
Zest Money PayLater
* Charges applicable per transaction
ENTERPRISES

Custom pricing designed for enterprises

  • Early access to new features

  • Dedicated account manager

  • Discounted pricing

  • Support over WhatsApp in addition to other channels

Get in touch with our sales team to explore the right product(s) for your payment needs and get custom pricing.

Contact Sales

THERE’s MORE

Get access to advanced payment gateway features
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Instant Refunds
Instant Refunds

Do instant customer refunds - online orders, COD orders and deposits with our advanced refund solutions and delight your customers.

Instant Settlements
Instant Settlements

Get access to your payment gateway collection within 15 minutes even on bank holidays. Say goodbye to cash flow problems.

Pre-authorization
Pre-authorization

Temporarily block some amount of funds when a customer places an order and save payment gateway charges on canceled orders with Pre-auth.

Token Vault
Token Vault

Process saved card payments securely with India's first interoperable card tokenization solution.

Frequently Asked Questions

Cashfree Payments hosts a wide range of alternate payment modes for businesses to increase sales without the need for any upfront payment from customers. Here are some of the Buy Now Pay Later payment modes supported:

  • Debit card EMI - Available on multiple banks including HDFC Bank and ICICI Bank
  • Credit card EMI - Available on 8+ banks including HDFC Bank, ICICI Bank, Axis Bank, Bank Of Baroda, Kotak Mahindra Bank, Standard Chartered, RBL Bank, AU Small Finance Bank among others
  • Cardless EMI - Available on multiple banks including HDFC Bank, ICICI Bank, Federal Bank, Kotak Bank, IDFC First Bank, ZestMoney, Kreditbee among others
  • Buy Now Pay Later - Available on HDFC, LazyPay, Ola Money Postpaid, ePayLater, Simpl, Kotak and more

The credit card EMI or debit card EMI option requires the customers to purchase a product from your website based on their credit or debit card validation. Customers are expected to enter their corresponding card details and verify it in order to avail the EMI option.

Cardless EMI, on the other hand, requires only the customer phone number and not the card details. Being a completely digital payment method, customers can purchase a product and pay for it in EMI without the need of a credit or a debit card. Most suitable for high-valued goods like mobile phones, laptops or furniture.

Pay Later option comes with a virtual card that allows customers to purchase the products with zero down payment. Customers can pay the amount later, within a specified date without any interest fee.

Whereas, Cardless EMI option is a completely digital payment mode where the customer need not enter any credit or debit card details. It allows repayment in installments of 3, 6, 9, 12 months with specific interest rates.

All merchants, except those in the restricted category of business, can provide the BNPL options to their customers on their website or app checkout. While the majority of the merchants are auto-approved, some businesses are subject to approval from the BNPL partners.

Contact for more information.

Visit your Cashfree Merchant Dashboard to see all the Buy Now Pay Later options available.

Credit Card EMI: Enabled by default for all banks except SBI, HSBC, Yes Bank, Citi, IndusInd Bank and Federal Bank that require the merchant to contact their Account Manager for activation.

Cardless EMI: Kreditbee is activated by default. Other Cardless EMI options are enabled on request.

Pay Later: OlaMoney Postpaid is enabled by default. Other PayLater options are enabled on request.

For more information write to

If you are a merchant using our Seamless checkout flow, you can easily integrate the Buy Now Pay Later options on your website or mobile checkout with a few additional parameters on the existing APIs .Visit the Developers section in the Cashfree Merchant dashboard and use the test API keys to try these out.

Relevant T&Cs and logos of each payment partner would need to be added on your payment page as required.

EMI via International cards like Amex are supported for payments outside of India.

Late fee charges for the end customers are applicable as per the terms and conditions of the EMI or PayLater partner.

There are no hidden charges for merchants for activating any of the BNPL modes. The pricing is transparent.

Have more questions?

Visit our support page
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Split vendor commissions and manage marketplace settlements.

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Collect and reconcile IMPS/NEFT/UPI payments using unique virtual accounts and UPI IDs.

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Ready to get started?

With Cashfree Payments, collect payments, make payouts, manage international payments and more. Start now by creating your account or Contact Sales to explore custom solutions.

  • Easy onboarding

  • Dedicated Account Manager

  • API access

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