EMI Plans V2

EMI plans (V2) API will help a merchant in getting a consolidated list of the EMIs enabled on the merchant MIDs across gateways. The response would cover:

  • Card EMIs (Standard, No Cost & Low Cost)
  • Cardless EMIs (Standard, No Cost & Low Cost)

Merchants need to configure the banks and tenure at JusPay’s end for which they wish to provide NO/ LOW Cost EMI to their users. Also if the gateway don't have their own EMI Plans API, then the merchant need to provide the EMI Plans to JusPay. And accordingly, the API response would cover the scenarios.

The response of the API can be directly consumed by the merchant to show the monthly EMI amount and the interest levied to the end customers on the merchant checkout page. The merchant need not do any calculation even in case of Low/ No Cost EMI.

OrderBasket

Name

DataType

Description

Mandatory

productAmount

Number

Total Product Amount

Yes

productId

String

Product Identifier

Yes

Response Parameter Details

Name

DataType

Description

cart_amount

String

Total order amount

emi_plans

Array EmiPlansData

List all the EMI Plans supported by underlying PGs

emi_type

String

STANDARD_EMI/ LOW_COST_EMI/ NO_COST_EMI

card_type

String

CREDIT/ DEBIT/ CARDLESS

payment_method

String

CARD/ FLEXMONEY/ ZESTMONEY/ SHOPSE

payment_method_type

String

CARD/ CONSUMER_FINANCE

issuers

Array Issuers

List of Issuers providing EMI Plans to customer

Issuers

Name

DataType

Description

emi_bank

String

EMI Bank Identifier

issuer_name

String

Name of Issuing Bank

juspay_bank_code

String

JusPay Bank Code

tenures

Array Tenures

List of Tenures supported by the issuing bank

Tenures

Name

DataType

Description

additional_processing_fee

String

Additional Processing Fee levied by certain issuers for EMI transactions

bank_interest_rate

String

Interest Rate for specific tenure

tenure

String

Tenure in months

total_amount_payable

String

Total amount payable by customer inclusive of
interest amount

total_interest_amount

String

Total interest amount payable by customer

total_monthly_amount_payable

String

Total monthly EMI amount payable by customer

total_instant_discount_amount

String

Instant Discount, if applicable

total_cashback_amount

String

Cashback Amount, if applicable

product_details

Array ProductDetails

List of all products supported for the particular
combination

supported_gateways

Array
SupportedGateways

List of gateways supporting the EMI Plans

ProductDetails

Name

DataType

Description

productId

String

Product Identifier

productAmount

String

Total Product Amount

bankInterestAmount

String

Total interest amount payable by customer

emiInstantDiscountAmount

String

Instant Discount, if applicable

emiCashbackAmount

String

Cashback Amount, if applicable

SupportedGateways

Name

DataType

Description

gateway

String

Gateway Name

gateway_id

Number

JusPay Gateway Identifier

Language
Authentication
Basic
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