Pay-Later and Cardless EMIs | Cashfree Payments

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 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 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
Credit	Standard	HDFC Bank	hdfc	1000	500000	16	3
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	6
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	9
Credit	Standard	HDFC Bank	hdfc	3000	500000	16	12
Credit	Standard	Axis Bank	axis	2500	1000000	16	3
Credit	Standard	Axis Bank	axis	2500	1000000	16	6
Credit	Standard	Axis Bank	axis	2500	1000000	16	9
Credit	Standard	Axis Bank	axis	2500	1000000	16	12
Credit	Standard	Axis Bank	axis	2500	1000000	16	18
Credit	Standard	Axis Bank	axis	2500	1000000	16	24
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	3
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	6
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	9
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	12
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	18
Credit	Standard	ICICI Bank	icici	1500	500000	15.99	24
Credit	Standard	Kotak Bank	kotak	1000	1000000	16	3
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	6
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	9
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	12
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	18
Credit	Standard	Kotak Bank	kotak	2500	1000000	16	24
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	3
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	6
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	9
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	12
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	18
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	24
Credit	Standard	Bank of Baroda	bob	2500	1000000	16	36
Credit	Standard	Standard Chartered	standard chartered	2000	500000	11.88	3
Credit	Standard	Standard Chartered	standard chartered	2000	500000	14	6
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	9
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	12
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	18
Credit	Standard	Standard Chartered	standard chartered	2000	500000	15	24
Credit	Standard	RBL Bank	rbl	1500	1000000	13	3
Credit	Standard	RBL Bank	rbl	1500	1000000	14	6
Credit	Standard	RBL Bank	rbl	1500	1000000	15	9
Credit	Standard	RBL Bank	rbl	1500	1000000	15	12
Credit	Standard	RBL Bank	rbl	1500	1000000	15	18
Credit	Standard	RBL Bank	rbl	1500	1000000	15	24
Credit	Standard	AU Small Bank	au	2000	1000000	16	3
Credit	Standard	AU Small Bank	au	2000	1000000	16	6
Credit	Standard	AU Small Bank	au	2000	1000000	16	9
Credit	Standard	AU Small Bank	au	2000	1000000	16	12
Credit	Standard	AU Small Bank	au	2000	1000000	16	18
Credit	Standard	AU Small Bank	au	2000	1000000	16	24
Credit	Standard	Yes Bank	yes	1500	1000000	16	3
Credit	Standard	Yes Bank	yes	1500	1000000	16	6
Credit	Standard	Yes Bank	yes	1500	1000000	16	9
Credit	Standard	Yes Bank	yes	1500	1000000	16	12
Credit	Standard	Yes Bank	yes	1500	1000000	16	18
Credit	Standard	Yes Bank	yes	1500	1000000	16	24
Credit	Standard	HSBC	hsbc	2000	1000000	12.5	3
Credit	Standard	HSBC	hsbc	2000	1000000	12.5	6
Credit	Standard	HSBC	hsbc	2000	1000000	13.5	9
Credit	Standard	HSBC	hsbc	2000	1000000	13.5	12
Credit	Standard	American Express	amex	5000	1000000	14	3
Credit	Standard	American Express	amex	5000	1000000	14	6
Credit	Standard	American Express	amex	5000	1000000	14	9
Credit	Standard	American Express	amex	5000	1000000	14	12
Credit	Standard	American Express	amex	5000	1000000	15	18
Credit	Standard	American Express	amex	5000	1000000	15	24

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.

{
     "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"
}

{
    "action": "post",
    "cf_payment_id": 1491777871,
    "channel": "link",
    "data": {
        "url": "https://sandbox.cashfree.com/pg/orders/pay/authenticate/1491777871",
        "payload": null,
        "content_type": "application/json",
        "method": "post"
    },
    "payment_amount": 6000.00,
    "payment_method": "emi"
}

curl --request POST \
     --url https://sandbox.cashfree.com/pg/orders/pay/authenticate/1111111 \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-version: 2022-09-01' \
     --data '
{
  "action": "SUBMIT_OTP",
  "otp": "1234"
}
'

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
Debit	Standard	HDFC Bank	hdfc	3000	500000	16	3
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	6
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	9
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	12
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	18
Debit	Standard	HDFC Bank	hdfc	5000	500000	16	24

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, TVS Credit, and CASHe.

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, CASHe, TVS Credit) Minimum amount: 500 onwards

Cardless EMI Plans

Card type	Type of EMI	Bank	provider	Minimum amount	Maximum amount	Annual interest rate	Tenure
Cardless	Standard	HDFC Bank	hdfc	3000	500000	16	3
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	6
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	9
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	12
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	18
Cardless	Standard	HDFC Bank	hdfc	5000	500000	16	24
Cardless	Standard	ICICI Bank	icici	7000	500000	17	3
Cardless	Standard	ICICI Bank	icici	7000	500000	17	6
Cardless	Standard	ICICI Bank	icici	7000	500000	17	9
Cardless	Standard	ICICI Bank	icici	7000	500000	17	12
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	3
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	6
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	9
Cardless	Standard	IDFC Bank	idfc	5000	100000	24	12
Cardless	Standard	CASHe	cashe	1000	100000	23.78	3
Cardless	Standard	CASHe	cashe	6000	100000	25.28	6
Cardless	Standard	CASHe	cashe	9000	100000	25.63	9
Cardless	Standard	CASHe	cashe	12000	100000	25.8	12

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 ₹1 and a maximum value of ₹10,000)

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"
}'

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Developer updates

Paylater and Cardless EMIs

Credit card EMI

Credit card EMI plans

Debit card EMI

Debit card EMI plans

Cardless EMI plans

Paylater providers

​Credit card EMI

​Credit card EMI plans

​Debit card EMI

​Debit card EMI plans

​Cardless EMI plans

​Paylater providers

Credit card EMI

Credit card EMI plans

Debit card EMI

Debit card EMI plans

Cardless EMI plans

Paylater providers