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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)
  • Debit 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 doesn't have their its own EMI Plans API, then the merchant would 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.

Response Parameter Details
(click to open tables)
FieldTypeDescription
cart_amountStringTotal order amount
emi_plansObjectLists all the EMI Plans supported by underlying PGs
(Object consists of three emi_type objects)
Parameters for emi_plan object:
emi_type3 ObjectsSTANDARD_EMI/ LOW_COST_EMI/ NO_COST_EMI
(Each object consists of three card_type objects)
Parameters for each emi_type object:
card_type3 ObjectsCREDIT/ DEBIT/ CARDLESS
(Each object consist of parameters below:)
Parameters for each card_type object:
payment_methodStringCARD/ FLEXMONEY/ ZESTMONEY/ SHOPSE
payment_method_typeStringCARD/ CONSUMER_FINANCE
issuers:  [{...}.{...},...]Array of
Objects
List of Issuers providing EMI Plans to customer
  Parameters for each issuer object in array:   (click to view)
FieldTypeDescription
emi_bankStringEMI Bank Identifier
issuer_nameStringName of Issuing Bank
juspay_bank_codeStringJusPay Bank Code
bank_plan_descriptionStringOptional details of bank plan
tenures:  [{...}.{...},..]Array of
Objects
List of Tenures supported by the issuing bank
  Parameters for each tenure object in array:   (click to view)
FieldTypeDescription
offer_typeStringexamples are: INSTANT_DISCOUNT, BUYBACK
additional_processing_feeStringAdditional Processing Fee levied by certain issuers for EMI transactions
bank_interest_rateStringInterest Rate for specific tenure
tenureStringTenure in months
total_amount_payableStringTotal amount payable by customer inclusive of interest amount
total_interest_amountStringTotal interest amount payable by customer
total_monthly_amount_payableStringCashback Amount, if applicable
total_instant_discount_amountStringInstant Discount, if applicable
total_cashback_amountStringCashback Amount, if applicable
additional_discount_amountStringAddtional Discount, if applicable
product_details:  [{...}.{...},...]Array of
Objects
List of all products supported for the particular combination
  Parameters for each product_details object in array:
(click to view)
FieldTypeDescription
productIdStringProduct Identifier
productAmountStringTotal Product Amount
bankInterestAmountStringTotal interest amount payable by customer
emiInstantDiscountAmountStringInstant Discount, if applicable
emiCashbackAmountStringCashback Amount, if applicable
supported_gateways:[{...}.{...},...]Array of
Objects
List of gateways supporting the EMI Plans
  Parameters for each supported_gateways object in array:
(click to view)
FieldTypeDescription
gatewayStringGateway Name
gateway_idIntegerJusPay Gateway Identifier
metadata: {...}Object
Metadata parameters
  Parameters for metadata object:   (click to view)
FieldTypeExample
emiPlanIdStringww"ID_24_13"ww
offerDetails:  [{...}.{...},...]Array of
Objects
See table below
  Parameters for each offer_details object in array:
(click to view)
FieldTypeExample
offerIdString"byuback_12931"w
offerTypeString"buyback",
offerDiscountAmountString"1795"
titleString"Apple Forever"
offerTNCString"https://url-2-offer"
remarkString"Terms&Conditions"
stepUpInterestRateStringwwww "10"wwww
stepUpEMIString"3333.33"
stepUpTenureString"12"
buybackNoCostTenureString"12"
The request consists of the following parameters:
 Note that order_basket is an array of objects in the format:
'order_basket=[{....},{....},...]'
Each object contains parameters that describe a product ordered.
(click to open table)
FieldTypeDescription
idStringProduct ID
descriptionStringDescription of Product
quantityDoubleTotal Product Amount
unitPriceDoubleCost of one Product
categoryStringType of Product
skuStringSKU Number of Product
productURLStringURL where Product can be found
sellerTypeStringType of Seller
"customParams":
{"name1":"value1","name2":"value2"}
ObjectDescriptive Attributes of Product
Language
Authentication
Basic
base64
:
Click Try It! to start a request and see the response here!