[Introducing] 'Reverse Penny Drop': Let your users self-verify bank account details using the power of UPI   Know more

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

BNPL Plus

Become the most preferred shopping site

Level up your online selling game by providing a best-in-class shopping experience. With Cashfree's BNPL Plus you can display offers, EMIs and Pay Later options right on your product page and empower your customers to shop more.

  • Reduce customer drop-offs by 30% with upfront visibility of offers.

  • Remove the hesitation to buy high-value goods by promoting discounts and BNPL.

  • Increase conversions by 30% and maximise the cart value by 40%.

Plug-in available for:

shopify
woocommerce

Powering the conversion funnel for brands:

fujifilm
thinkpc
sladorn
joeshu
shopesy
Get Early Access
Go live in quick time with our customized payment gateway integrations and plug-ins

PRICING

Transparent and friendly pricing
Create Account
HDFC
HDFC
SBI Card
SBI Card
ICICI
ICICI
Bank of Baroda
Bank of Baroda
Kotak
Kotak
Standard Chartered
Standard Chartered
Axis
Axis
YES Bank
YES Bank
Federal Bank
Federal Bank
IndusInd Bank
IndusInd Bank
AU Small Finance Bank
AU Small Finance Bank
RBL Bank
RBL Bank
HSBC
HSBC
Citi Bank
Citi Bank
otherBanksAmerican Express
HDFC
HDFC
Kotak
Kotak
Axis
Axis
ICICI
ICICI
otherBanksComing Soon
HDFC
HDFC
ICICI
ICICI
Kotak
Kotak
IDFC First Bank
IDFC First Bank
Federal Bank
Federal Bank
Zest Money
Zest Money
KreditBee
KreditBee
CASHe
CASHe
Home Credit
Home Credit
Bank of Baroda
Bank of Baroda
LazyPay
LazyPay
Ola Money Postpaid
Ola Money Postpaid
HDFC via Flexmoney
HDFC via Flexmoney
Kotak via Flexmoney
Kotak via Flexmoney
Simpl
Simpl
Freecharge PayLater
Freecharge PayLater
Zest Money PayLater
Zest Money PayLater
otherBanksRing
Mobikwik Zip
Mobikwik Zip
* 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
Create Account
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 -

  • 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.
  • Debit card EMI - Available on multiple banks including HDFC Bank and ICICI Bank.
  • 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,Ring Pay Later, Simpl 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.

When you use a credit card EMI, you're essentially taking a loan from your card issuer, which decreases your credit limit. The loan is repaid in installments. Typically, all cardholders qualify for this, but the interest depends on the card and EMI duration, unless a zero-interest promotion is in effect.

Debit Card EMI, on the other hand, involves drawing funds from your associated bank account in set installments, thereby directly affecting your account's balance. Qualification for this option may depend on the bank's specific requirements, which often relate to your account history or balance. Interest rates can differ based on these factors as well.

The cardless EMI allows customers without access to credit or debit cards to pay in equal instalments starting from 3 months and make high-value purchases. Cardless EMIs offer higher credit limit upto Rs.2 Lakhs. Whereas Pay Later offers the convenience of credit cards to new-age shoppers, where they are assigned a credit limit and can repay in 15- 30 days. Pay Later is preferred for low-mid size transactions with a lower credit limit of upto Rs.60,000 as compared to Cardless EMIs.

All merchants, except those in the restricted category of business like gaming, jewellery etc, 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.

Activating BNPL options is easy and can be done on your Cashfree Merchant Dashboard. You have the freedom to choose which options to enable, with several of them already enabled by default for your convenience. You can also get in touch with your Account Manager or write to for enabling any BNPL mode.

Absolutely! You have the flexibility to decide which Buy Now Pay Later options you want to offer to your customers. All these settings can be conveniently managed from your Cashfree Merchant Dashboard.

Using Offer Engine on the merchant dashboard, allows you to create various offers for different payment methods. This flexibility lets your customers choose their preferred payment method. Merchants employing Cashfree Payment's hosted checkout pages and plugins will automatically have these offers applied, without any extra integration effort. You can also configure No Cost EMI offers, special cashbacks and discounts using Cashfree's no-code Offer Engine. Learn more:

If you are a merchant using our Seamless checkout flow (Next-gen APIs), you can easily integrate the BuyNow Pay Later options on your website or mobile checkout with a few additional parameters on the existing APIs. Find API docs here -

It takes 7-10 days for approval and activation of EMI and Pay Later. Merchants can also see what all options are enabled for them on Cashfree Merchant Dashboard.

Absolutely! You can configure No Cost EMI offer through the Offer Engine on your Cashfree dashboard. This option enables your customers to purchase goods in monthly installments without any interest charges.

With Cashfree's BNPL suite you get readily tap into a base of 20 million plus pre-approved users across 20+ Pay Later and Cardless EMI partners.

If a customer using Buy Now Pay Later (BNPL) fails to repay, the merchant typically faces no direct financial loss but can risk damaged customer relationships.

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

Absolutely, Cashfree Payments has your back. Our default checkout process comes with a pre-configured eligibility check, ensuring only eligible customers see the Pay Later options applicable to them. This enhanced conversions by 30% for our merchants. If you're utilizing Seamless Checkout for your business, you can integrate the eligibility check engine through with your website or mobile app, further optimizing the checkout process

Have more questions?

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Ready to get started?

Collect customer payments, make payouts, manage international payments and so much more! Create your account or contact our experts to explore custom solutions.

  • Easy onboarding

  • Dedicated account manager

  • API access

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